hi i open up this discussion as a topic for education as well as what happens when transfer of half share occur.

Scenario :
ME + friend bought a sub sale condo
House value : 600k
loan : 540k
**installment serve for 2 years already

Paid 27k for S&P and legal agreement

Now want to change both loan + S&P from me + friend --> me + brother

Problem arise now
any way for me to save legal fees ?
laywer told me to pay another 25k+- to redo fresh S&P and refinancing agreement

Bank side not a problem just apply refinancing + change borrower with no penalty

Property is leasehold and still under master title and havent change to strate yet.

there are two method which i found from laywer which is

a)Transfer of half share deed
b)Redo whole S&P
*felt stingy as they say both with require the same amount of money to do it

i just want to save money on legal for second time , is there any loophole to minimize the legal side fees ?
really need help from all sifus

seeking 2 firm also asking me to redo fresh S&P , but banker ask me to do transfer of half share to save money

latest i found out i can do half transfer at s&p but loan need totally redo whole full amount is that correct ?