Collateral
Properties or assets that are offered to
secure a loan.
Marketable Title
Marketable title means that the land is free
from all encumbrances and free from
litigation.
Title
Title can be defined as the evidence of the
right which an owner has to possess his/her
property.
Defected Title
A title is said to be defected when there is some
absence of legal requisite or deficiency, imperfection or
in sufficiency in the evidence or when it is encumbered
by other interest.
The expression “title defects” has come to mean the
existence of encumbrances, Restrictions,
encroachments and other interest or claims which
affects the owner’s rights over the property.
Types of Land
•
•
•
•
•
•
•
Free hold Land
Lease hold Land
Evacuee Land
Cantonment Land
Government granted Land
Allotted Land
Abandoned Properties
Types of Rights
• Lease hold right
• Ownership Right
Who maintains Record of Rights
• Development Authorities
• Land Revenue Departments (Tehsildar/
Mukhtarkar)
• Societies
• Military Estate Office / Cantonment Board
• Evacuee Properties Trust Board
• Estate Office of Federal Govt. (Abandoned
Properties
Forms of Legal Transfer
•
•
•
•
•
•
•
•
Sale Deed
Gift Deed / Relinquishment Deed
Allotment Order
Exchange Deed
Will
Grant
Lease/Sub-Lease
License/Sub-License
Free hold properties
Registered Sale deed
1. Last Jama Bandi OR Certified copy of City Survey
extract OR Deh Form (II)
2. Gift Deed (If property is gifted)
3. Exchange Deed (if Property is acquired in exchange).
Mutation/Transfer
1.
NEC
2. Building Plan duly approved along with covering letter
Some Land Related
Nomenclature
• Khasra :
•
•
•
•
Khatauni:
Khiwat :
Shajra :
Shamilat:
List of folds field Register.
Harvest inspection Register.
A list of holdings of tenants.
A list of owner’s holdings.
Map, Plan
Village Common Land.
Karachi Division
Title Documents
Lease hold properties
1.
Lease/Sub-Lease/SubLiscence
2.
Sale Deed (if there is
subsequent transaction)
3.
Gift Deed (If property is
gifted)
4.
Exchange Deed (if Property is
acquired in exchange).
Other documents
required for investment
1.
2.
3.
4.
5.
Mutation/Transfer
Permission to Assign
NEC / (Search
Certificate)
Site Plan
Building Plan duly
approved along with
approval letter
Hyderabad/ MirpurKhas Division
Title Documents
Free hold properties (Rural Areas):
1.
L-20, Ownership Certificate duly issued by the
Taluka Mukhtiarkar or Sanad
2.
Deh Form-VII
3.
Deh Form-II (Mutation)
B. Free Hold Property (Urban Areas):
1.
P.T.O./P.T.D/Sale Deed/Gift Deed
2.
City Survey Extract/Deh Form-II (Mutation)
3.
Statement issued by the Legal Heirs along with
copy of statement from City Survey in cases of
heir ship
C. Lease Hold Property:
1.
Lease Deed/Sub-Lease Deed/Sale Deed/Gift
Deed
2.
Deh Form-II (Mutation)
3.
Allotment order
D. Cantonment Areas:
Other documents required for investment
A.
1.
2.
Lease Deed
Extract of the Property
1.
2.
3.
4.
1.
2.
3.
1.
2.
3.
4.
5.
6.
7.
8.
N.E.C. for last 12 years
Approved Building Plan with
approval letter
Approved Site Plan
Aks-e-Shajra
N.E.C. for last 12 years
Approved Building Plan with approval
letter
Approved Site Plan
Permission to Assign (L-19)
N.E.C. from the date of execution of
lease deed
Approved Building Plan with approval
letter
Approved Site Plan
Clearance Certificate from MEO
Permission to Assign (L-19)
Approved Building Plan with approval
letter
Approved Site Plan
Sukkur/ Larkana/ Jacobabad/ Dadu/
Khairpur
Title Documents
Urban Area
1.
Sale Deed
2.
P.T..D/P.T.O
3.
F.T.O.
4.
Gift deed
5.
Lease Deed/Sub-lease deed
6.
City Survey Extract
7.
Deh Form-II
8.
Deh Form-VII
9.
Mutation
Rural Area
1.
Owner Ship Certificates issued by Union
Council Authorities
2.
Owner Ship Certificate issued by
Mukhtiarkar concerned
3.
Deh Form-II
Other documents required for investment
1.
2.
3.
1.
2.
3.
N.E.C.
Permission to Assign
Approved Building Plan with
approval letter
N.E.C.
Approved Building Plan
Development Certificate
issued by Union Council
Quetta/ Bolochistan
Title Documents
A.
1.
2.
3.
B.
1.
2.
3.
4.
C.
1.
2.
3.
4.
D.
1.
2.
Lease hold properties
Lease Deed
Sale Deed (in case of subsequent transaction)
Mutation
Free Hold Property (Rural & Urban Area)
Sale Deed (Registered)
Mutation in favor of Applicant
Fard
Jamabandi Record for last 15 years
Other documents required for investment
1.
2.
1.
2.
3.
Free Hold Property (with no sale deed):
Mutation in Favor of applicant
Fard
Jamabandi Record
L-20 (Certificate of Assurance)
1.
Lease Hold cases of Cantonment Area
Lease Deed (Registered)
Sale deed (In case of a subsequent Transaction)
1.
E. Lease Hold cases where land leased by Municipal/Town
Committee, Local Govt, Prov.Govt.
1.
Jamabandi Record for last 15 year
2.
3.
4.
2.
3.
1.
2.
3.
4.
Fard Jamabandi Record
Sale Deed (in case there is subsequent
transaction (Registered)
Permission to assign
N.E.C. from the date of lease deed
Approved Building Plan
Building Plan with Building Permit
N.E.C.
Aks e Shajra
Sakni Certificate
Building Plan with Building Permit
N.E.C.
Aks-e-Shajra
Site Plan
Non Encumbrance Certificate
Permission to Assign (L-19)
Building Plan with Building Permit
Quetta Lease deed (Patta) Registered
QDA Cases
• where still the cost of land has
not been fully paid yet)
•
Sale/Purchase Agreement
• where the cost of Land has
completely been paid
•
Final Transfer Deed
(Registered).
• where the house has been
constructed and investment is
required for further
construction
•
Sale Deed (Registered)
Fard
Multan/ Bahawalpur Division
Title Documents
(a)
1.
2.
3.
Other documents required for investment
Free hold properties (Urban)
Sale Deed/Gift Deed/Exchange Deed/Court
Decree
Court certified copy of Mutation
Copy of record of Right (Fard Malkiyat)
1.
2.
3.
(b) Urban area land where no record is available in
Revenue Department:
1.
P.T.D.
2.
Confirmation of P.T.D.
3.
PT-I
1.
(c) Lease Hold Property:
1.
Lease Deed/Sub Lease Deed
2.
Extract from GLR
1.
2.
3.
4.
2.
3.
4.
Aks-e-Shajra
N.E.C. for last 12 years
Approved Building plan +
Approval letter
N.E.C (for the last 12 years)
Clearance certificate from Excise &
Taxation Department
Building plan + Approval letter
Indemnity Bond regarding finality of
P.T.D.
Permission to Assign
Building Plan + Approval letter
N.E.C. from the date of Lease Deed
Approved Building Plan
Faisalabad/ Sargodha Division
Title Documents
A.
1.
2.
3.
4.
B.
1.
2.
C.
1.
2.
3.
Other documents required for
investment
Free Hold property (Urban Area)
Sale deed,
Gift deed (Regd)
Mutation
Fard Jamanbandi
Evacuee Property (Urban Area)
PTD/PTO
Confirmation of PTD (Permanent Transfer deed)
FDA/Punjab Govt. Housing Scheme (Urban)
Sale Agreement (Regd)
Allotment order
Transfer letter (in case of transfer of plot)
1.
2.
3.
1.
2.
3.
1.
2.
3.
4.
D. Cantonment Board (Urban Area)
1.
Lease deed
2.
MEO letter
3.
Copy of G.L.R.
1.
E.
1.
1.
2.
3.
4.
Rural Area:
Sale Deed
Mutation or Oral Mutation
Jamanbandi
L-20 (Assurance certificate)/Demarcation Certificate
2.
3.
2.
Aks-e-Shijra
N.E.C.
Approved Building Plan with
approval letter
N.E.C.
Approved Building Plan with approval letter
Permission to Assign
Possession slip
N.E.C.
Permission to Assign
Approved Building Plan with approval letter
Permission to assign
N.E.C.
Approved Building Plan with approval letter
N.E.C.
Approved Building Plan with Approval letter
from District Council/Union Council
concerned
Lahore/Gujranwala Division
Title Documents
A)
1.
2.
3.
4.
Other documents required for investment
Free Hold Properties:
Registered Sale Deed
Certified copy of Mutation
Jamabandi
L-20 (In case of rural area)
B) Government Schemes:
1.
Registered Sale Agreement/Sale Deed
2.
Transfer letter/Allotment letter
1.
2.
3.
1.
2.
3.
4.
5.
C) Lease Hold & Contentment Schemes:
1.
Registered Lease deed/Sub-Lease
2.
General Land Register (Certificate)
1.
2.
3.
4.
Akse-Shujra
N.E.C.
Building plan with approval
letter
Permission to assign
Possession order
Site Plan
N.E.C.
Building Plan with approval letter
Permission to assign
N.E.C.
Site Plan
Building Plan with approval letter
Islamabad (Capital Area)Other cities of
Islamabad Zone
Title Documents
Allotment Letter/Transfer order
Other documents required for investment
Permission to Assign
1.
After completion of house a Conveyance Deed
is executed between CDA and Allottee
2.
3.
4.
a) Free hold properties (Urban
1. Registered Sale deed/Gift Deed
2.
Last Jamabandi, or city survey record
3.
Mutation or sakni certificate from
Tehsildar if plot is Shamile Abadi Area
b) Free hold property (Rural)
The following documents are required in
addition to above documents:
1. L-20 from Tehsildar
1.
2.
1.
2.
3.
4.
Site Plan/ Layout Plan
Demarcation Certificate
Up to date NEC
Approved Building plan along
with approval letter
Certificate of soundness/value
of building for house purchase
Possession order/slip
Akse Shajra duly demarcated
Up to date NEC
Approved Building Plan
Co-sharer Affidavit (in case of
co-sharer)
Islamabad (Capital Area)Other cities of Islamabad Zone
(…….. Contd…..)
Lease hold property of Cantonment Area
1.
Lease deed/Sub Lease duly registered
2.
GLR (General Land Register)
c)
d) Evacuee Property:
1.
Permanent Transfer Deed
2.
PT-1
3.
Subsequent Transfer
Permission to Assign
2.
Possession order
3.
Site Plan of Plot
4.
Upto date NEC
5.
Approved Building Plan
6.
Letter of approval of the building plan
1.
2.
3.
Upto date NEC
Site Plan
Original Approved Building plan with approval letter
Government Colonies/Lease Hold Properties:
Sale Agreement duly registered
Allotment order
Rural Area property:
Oral Mutation (Court Certified Copy)
Building Plan + Approval Letter
Mutation (Court Certified Copy)
Copies of Record of Right (Fard Malkiyat) for the
Last 12 Years
L-20 (HBFC/Certificate of Assurance) by tehsildar
(Sakni Certificate)
. N.E.C. (for the last 12 Years)
Possession Slip
•
•
•
•
•
•
•
•
•
Site Plan
Permission to Assign
N.E.C. (from the date of Sale Agreement)
Building Plan + Approval Letter
Aks-e-Shajra
Site Plan
N.E.C.
Permission to Assign (L-19)
Building Plan with Building Permit
Peshawar Division/ NWFP
Title Documents
A.
1.
2.
3.
4.
5.
Other documents required for
investment
Lease Hold Properties:
Sale Deed
Lease Deed
Gift Deed
Permanent Transfer Deed in
case of Evacuee Property (PTD)
Mutation Certificate
B. Free Hold Properties:
1.
Last Jamabandi or City Survey
Extract
2.
Sale Deed (in case of purchase)
3.
Mutation
1.
2.
3.
1.
2.
3.
4.
Permission to Assign
Approved Building Plan
with approval letter
Approved Site Plan
Certificate of Assurance by
Collector
N.E.C.
Aks-e-Shajra
Building Plan
Abbottabad/Hazara Division/ Northern Areas
Title Documents
A. Lease Hold Properties:
1.
Lease deed or agreement for sale/Sale
deed
Other documents required for investment
1.
2.
3.
4.
B. Free Hold Property:
1.
2.
3.
Mutation
Last Jamabandi
Sale deed (in case property is purchased
by applicant)
C. Un-Settled Area of Northern Areas:
1.
Un-settled area form (designed by
HBFC Management)
2.
L-20
1.
2.
3.
4.
5.
1.
2.
Site plan of the plot
Permission to Assign
N.E.C.
Approved Building Plan with
approval letter
Aks-e-Shajra
Site plan
Assurance Certificate (L-20 in case
of Rural Area)
N.E.C.
Approved Building Plan with
approval letter.
N.E.C.
Approved Building Plan with
approval letter
Thank You All
Q/A
26