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

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/Transfer1. NEC2.Building Plan duly approved along with covering letter

Free hold properties

Some Land Related Nomenclature

• Khasra : List of folds field Register. Harvest inspection Register.• Khatauni: A list of holdings of tenants.• Khiwat : A list of owner’s holdings.• Shajra : Map, Plan• Shamilat: Village Common Land.

Title Documents Other documents required for investment

Lease hold properties1. Lease/Sub-Lease/Sub-

Liscence2. Sale Deed (if there is

subsequent transaction) 3. Gift Deed (If property is

gifted)4. Exchange Deed (if Property is

acquired in exchange).

1. Mutation/Transfer2. Permission to Assign3. NEC / (Search

Certificate)4. Site Plan5. Building Plan duly

approved along with approval letter

Karachi Division

Title Documents Other documents required for investment

A. Free hold properties (Rural Areas):1. L-20, Ownership Certificate duly issued by the

Taluka Mukhtiarkar or Sanad2. Deh Form-VII3. Deh Form-II (Mutation)B. Free Hold Property (Urban Areas):1. P.T.O./P.T.D/Sale Deed/Gift Deed2. 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

Deed2. Deh Form-II (Mutation)3. Allotment orderD. Cantonment Areas:

1. Lease Deed2. Extract of the Property

1. N.E.C. for last 12 years2. Approved Building Plan with

approval letter3. Approved Site Plan4. Aks-e-Shajra

1. N.E.C. for last 12 years2. Approved Building Plan with approval

letter 3. Approved Site Plan

1. Permission to Assign (L-19)2. N.E.C. from the date of execution of

lease deed3. Approved Building Plan with approval

letter 4. Approved Site Plan5. Clearance Certificate from MEO6. Permission to Assign (L-19)7. Approved Building Plan with approval

letter 8. Approved Site Plan

Hyderabad/ MirpurKhas Division

Title Documents Other documents required for investment

Urban Area 1.Sale Deed2.P.T..D/P.T.O3.F.T.O.4.Gift deed5.Lease Deed/Sub-lease deed6.City Survey Extract7.Deh Form-II8.Deh Form-VII9.Mutation

Rural Area1.Owner Ship Certificates issued by Union Council Authorities2.Owner Ship Certificate issued by Mukhtiarkar concerned3.Deh Form-II

1. N.E.C.2. Permission to Assign3. Approved Building Plan with

approval letter

1. N.E.C.2. Approved Building Plan3. Development Certificate

issued by Union Council

Sukkur/ Larkana/ Jacobabad/ Dadu/ Khairpur

Title Documents Other documents required for investment

A. Lease hold properties 1. Lease Deed2. Sale Deed (in case of subsequent transaction) 3. Mutation

B. Free Hold Property (Rural & Urban Area)1. Sale Deed (Registered)2. Mutation in favor of Applicant3. Fard4. Jamabandi Record for last 15 years

C. Free Hold Property (with no sale deed):1. Mutation in Favor of applicant2. Fard3. Jamabandi Record4. L-20 (Certificate of Assurance)

D. Lease Hold cases of Cantonment Area1. Lease Deed (Registered)2. Sale deed (In case of a subsequent Transaction)

E. Lease Hold cases where land leased by Municipal/Town Committee, Local Govt, Prov.Govt.

1. Jamabandi Record for last 15 year

1. Fard Jamabandi Record2. Sale Deed (in case there is subsequent

transaction (Registered)

1. Permission to assign2. N.E.C. from the date of lease deed3. Approved Building Plan

1. Building Plan with Building Permit2. N.E.C.3. Aks e Shajra4. Sakni Certificate

1. Building Plan with Building Permit2. N.E.C.3. Aks-e-Shajra

1. Site Plan2. Non Encumbrance Certificate3. Permission to Assign (L-19)4. Building Plan with Building Permit

Quetta/ Bolochistan

• where still the cost of land

has not been fully paid yet)

• where the cost of Land has completely been paid

• where the house has been

constructed and investment is required for further construction

Quetta Lease deed (Patta) RegisteredQDA Cases

• Sale/Purchase Agreement

• Final Transfer Deed (Registered).

• Sale Deed (Registered) Fard

Title Documents Other documents required for investment

(a) Free hold properties (Urban)1. Sale Deed/Gift Deed/Exchange Deed/Court

Decree2. Court certified copy of Mutation3. Copy of record of Right (Fard Malkiyat)

(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

(c) Lease Hold Property:1. Lease Deed/Sub Lease Deed2. Extract from GLR

1. Aks-e-Shajra2. N.E.C. for last 12 years3. Approved Building plan +

Approval letter

1. N.E.C (for the last 12 years)2. Clearance certificate from Excise &

Taxation Department3. Building plan + Approval letter4. Indemnity Bond regarding finality of

P.T.D.

1. Permission to Assign2. Building Plan + Approval letter3. N.E.C. from the date of Lease Deed4. Approved Building Plan

Multan/ Bahawalpur Division

Title Documents Other documents required for investment

A. Free Hold property (Urban Area)1. Sale deed, 2. Gift deed (Regd)3. Mutation4. Fard Jamanbandi

B. Evacuee Property (Urban Area)1. PTD/PTO2. Confirmation of PTD (Permanent Transfer

deed)

C. FDA/Punjab Govt. Housing Scheme (Urban)

1. Sale Agreement (Regd)2. Allotment order3. Transfer letter (in case of transfer of plot)

D. Cantonment Board (Urban Area)1. Lease deed2. MEO letter3. Copy of G.L.R.

E. Rural Area:1. Sale Deed2. Mutation or Oral Mutation3. Jamanbandi4. L-20 (Assurance certificate)/Demarcation

Certificate

1. Aks-e-Shijra2. N.E.C.3. Approved Building Plan with

approval letter

1. N.E.C.2. Approved Building Plan with approval

letter3. Permission to Assign

1. Possession slip 2. N.E.C. 3. Permission to Assign4. Approved Building Plan with approval

letter

1. Permission to assign2. N.E.C.3. Approved Building Plan with approval

letter

1. N.E.C.2. Approved Building Plan with Approval

letter from District Council/Union Council concerned

Faisalabad/ Sargodha Division

Title Documents Other documents required for investment

A) Free Hold Properties:1. Registered Sale Deed2. Certified copy of Mutation3. Jamabandi4. L-20 (In case of rural area)

B) Government Schemes:1. Registered Sale Agreement/Sale Deed2. Transfer letter/Allotment letter

C) Lease Hold & Contentment Schemes:1. Registered Lease deed/Sub-Lease2. General Land Register (Certificate)

1. Akse-Shujra2. N.E.C.3. Building plan with approval

letter

1. Permission to assign2. Possession order3. Site Plan 4. N.E.C.5. Building Plan with approval letter

1. Permission to assign2. N.E.C.3. Site Plan4. Building Plan with approval letter

Lahore/Gujranwala Division

Title Documents Other documents required for investment

Allotment Letter/Transfer order

After completion of house a Conveyance Deed is executed between CDA and Allottee

a) Free hold properties (Urban1. Registered Sale deed/Gift Deed2. Last Jamabandi, or city survey record3. 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

Permission to Assign1. Site Plan/ Layout Plan2. Demarcation Certificate3. Up to date NEC4. Approved Building plan along

with approval letter

1. Certificate of soundness/value of building for house purchase

2. Possession order/slip

1. Akse Shajra duly demarcated2. Up to date NEC3. Approved Building Plan 4. Co-sharer Affidavit (in case of

co-sharer)

Islamabad (Capital Area)Other cities of Islamabad Zone

c) Lease hold property of Cantonment Area1. Lease deed/Sub Lease duly registered2. GLR (General Land Register)

d) Evacuee Property:1. Permanent Transfer Deed2. PT-13. Subsequent Transfer

Permission to Assign 2. Possession order3. Site Plan of Plot4. Upto date NEC5. Approved Building Plan6. Letter of approval of the building plan

1. Upto date NEC2. Site Plan3. Original Approved Building plan with approval letter

Islamabad (Capital Area)Other cities of Islamabad Zone (…….. Contd…..)

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

Title Documents Other documents required for investment

A. Lease Hold Properties:1. Sale Deed2. Lease Deed 3. Gift Deed4. Permanent Transfer Deed in

case of Evacuee Property (PTD)5. Mutation Certificate

B. Free Hold Properties:1. Last Jamabandi or City Survey

Extract2. Sale Deed (in case of purchase)3. Mutation

1. Permission to Assign2. Approved Building Plan

with approval letter3. Approved Site Plan

1. Certificate of Assurance by Collector

2. N.E.C.3. Aks-e-Shajra4. Building Plan

Peshawar Division/ NWFP

Title Documents Other documents required for investment

A. Lease Hold Properties:1. Lease deed or agreement for sale/Sale

deed

B. Free Hold Property:1. Mutation2. Last Jamabandi3. 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. Site plan of the plot2. Permission to Assign3. N.E.C.4. Approved Building Plan with

approval letter

1. Aks-e-Shajra2. Site plan3. Assurance Certificate (L-20 in case

of Rural Area)4. N.E.C.5. Approved Building Plan with

approval letter.

1. N.E.C.2. Approved Building Plan with

approval letter

Abbottabad/Hazara Division/ Northern Areas

Thank You All

26

Q/A