Selling a loan from the Real Estate Bank to a son who will undertake repaying the installments

Q 1: I am an old woman and there is a problem that concerns me a lot and I fear that I will die and be held guilty for it, which can be summed up as follows: Years ago, I bought a piece of land at (59.000 Riyals). I took a loan from the Real Estate Fund and I built a house and an extension (Part No. 11; Page No. 138) on the mentioned land, praise be to Allah.I lived there with my three sons, `Ali, `Abdur-Rahman and Muhammad. `Abdur-Rahman and Muhammad paid some of the installments and then stopped. Sometime later, my middle son `Abdur-Rahman went to live in a house of his own, while I and Muhammad and `Ali, who does not work, remained in the house. My question is:If my youngest son, Muhammad agreed to pay the due installments to the Real Estate Bank and wrote that down in the Bank and his brothers permitted this, does the house become his and am I then free from liability?

A: The debt of the bank will remain as your liability until you repay it and the fact that some of your children or others are ready to repay that loan does not free you from liability. Selling the house to your son, if the bank permitted that, giving it to him for a fair price representing the remaining amount is permissible. However, you will remain responsible for the debt until you repay it.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.