Anyone can advise on this? The process and procedures...

Do I must involve lawyer or what?

Thanks

The first question to be ask before proceeding further is this, is the property still charged/assigned to a financial institution?

yes, under bank for OD loan.

yes need lawyer

thanks bro

if it's still charged to the financier then chances are you won't be able to persuade the financier to release the title to you to attend to the aforesaid transfer. it's either you settle terminate the OD account or you refinance" the property and simultaneously do the transfer.