Guys, a bit of help needed please.

2 years ago my wife gave her Honda City to her mum since her mum got blacklisted and can't buy car thanks to her brother. So, now the car is still being used as daily car and her mum still continues paying the bank monthly.

So, my question is can we change ownership of the car to mum, eventhough 1)mum got blacklist, 2)car still under bank loan?

Does changing ownership means mum has to apply for a new loan for the car?

I want my wife to transfer the ownership of the car to mum so she could get her 55% NCD. Since mum used to have a car, I don't think it would be a problem getting her old NCD once transfer is complete.