Many years ago, my mother needed to buy a permanent house for the family but she got blacklisted due to an earlier car's joint loan with my father, they divorced, and soon after my father disappeared and left us with tons of debts to pay back. There was a point where my mother could not afford to pay back the car's loan. Hence, the blacklisted issue.
So, my mother borrowed her younger sister and brother's names to apply for a loan and bought a low-cost 3-room apartment under a joint loan agreement between her sister and brother (my aunt and uncle), but my mother has always been the one who pay back the loan because my aunt used to earn fewer than my mother, just that my mother doesn't have the ownership over the house.

Here's the problem: recently my aunt stopped working and it has been almost a year. Before that, her working life has already been very unstable due to her mental problem and her bad attitude. She consulted a doctor back then and she got better, but it's becoming worse again recently and she lost her job and almost never intend to try to find a job. All these years we have tolerated and tried our best to help her but now she's totally relying on my mother and rotting in her room everyday while being unappreciative of everything. I am the eldest child and I still need another 2 years to complete my studies before I can have a full time job to support the family, and my mom's financial and emotional burdens have become worse. And with the increasing disputes between my aunt and the rest of us, I thought of changing the apartment's ownership to my mother's name (her blacklisted record just got cleared off recently) to prevent any potential future problems. I tried to search for information on the web and one of the info I got is we can't change the ownership without paying off the loan, so I tried to search for ways to change the names in joint loan agreement but I still haven't got a clear idea of the possible ways to do so without spending too much lawyer fee. I would appreciate a lot if someone can provide me with solutions on this situation.

P.S. I apologize for the extremely long post, I just wanted to describe my situation as clear as possible to get more accurate answer for this particular situation.

This post has been edited by swong626: Sep 3 2015, 12:30 PM

Add-on: both my aunt and uncle do not have any children nor spouse. I thought of applying the fact that my aunt is actually having a mental problem as part of the process to get the house's ownership transferred cause she can barely feed herself right now, and my uncle has agreed on this matter as well. So now I will try to approach a psychiatrist and see what can be done, while working on the suggestions you guys provided. Thank you guys so much!

This post has been edited by swong626: Sep 3 2015, 12:43 PM