Dear sifu, pls advice

my dad and i bought a studio unit around 300k.

SPA of the studio : his name and my name
loan : his name because i was a student back then
loan tenure : 13 years because my dad is 57 years old at tat time
loan installment : 2,2k (very expensive for me - im a working adult now)

Question :
1) can i change the loan agreement into my name to extend the loan tenure to 30 years to reduce the loan instalment?
2) maybe i can ask my dad to refinance the property using my name?

Possible?

can i just change the loan facility name? and use my name to secure the loan? then the bank need to re evaluate the property? but the property is now under vacant posession(just finished construction)