1. Generally there is no lock n period for the loans especially when the borrower wants this loan to be taken over by another bank/NBFC.
The original lender bank cannot refuse to provide this service.
Obtain a consenting letter from the existing bank along with the outstanding loan amount. Provide these documents to the new bank that you wish to transfer the housing loan balance. The new lender will then pay off the balance due to your old lender.
If the original lender bank is reluctant to oblige, yo may issue a legal notice through a lawyer and demand the desired details.
2. There is no such lock in period in case of transfer of loan from one financial institution to another. though some banks mandate minimum lock in period for pre-closure or repayment.