If the vehicle was acquired using a hire-purchase scheme, this means that the legal ownership of the car belongs to the hire-purchase company until the car loan is fully paid up. The hire-purchase company can repossess the car and sell it to cover the unpaid loan. If the proceeds from the sale is insufficient to cover the car loan, the outstanding amount will be paid out of the estate of the deceased. You may contact the Hire Purchase company directly for verification. More details can be found through here: https://singaporeprobatelawyer.sg/transfer-of-car-ownership-after-death-in-singapore/