My mom has a vacant house that she has offered me to stay in, but the house is old thus needs renovation of around RM300k. The problem is she does not want to transfer the title to me (nor do I want to argue with her about it, but she assured me the house will go to me when she passes) so my question is, can I take up a housing loan under my name to finance the renovation cost (interest for personal loan is higher hence just trying my luck here), but my mother remains the owner of the house? The house is free of encumbrances btw.