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Greetings from Ohmyhome, definitely yes. Surviving owner has to continue to serve the installment. Unless both of you bought MRTA or MLTA with sum insured equivalent to the loan amount then you no longer need to serve the installment. Read More

Contractually yes under the loan agreement. The surviving owner will still have to pay the monthly installments otherwise the bank may foreclose the property to recover the unpaid loan amount. If your mother and you have purchased a Mortgage Reducing Term Assurance (MRTA) or other similar insurance plans for the loan outstanding then upon death, the loan amount may be fully paid by the insurer depending on the terms and conditions under the insurance package bought..
David Wong (License No. E2097)
Mobile: +60193330573 
Foreward Realty Sdn Bhd - E(1)1909 Read More