KAZI SHAFIQUL ISLAM

LLM; MBA
Deputy General Manager
Law Division
Agrani Bank Limited
Head Office, Dhaka.
Sub: Loan Documentation: Mortgage i.e. Memorandum of Deposit Title
Deeds, Lawyer’s opinion, Photograph of the property, Establishment
of signboard, Approval Plan in case of Permanent Construction,
Building Construction Act 1952, Bangladesh National Building Code
2006, Bangladesh Environment Reservation Ordinance 1997, Fire
resist & Extinguishing Act 2003, Ordinance on Land Development of
Non-Government Residential Project 2004, NEC and Search Fee,
Valuation Certificate, Purchase Deed, DCR, Certified Mutation
Khatian, Rent and Other Tax Payment Receipt, CS Parcha, SA
Parcha, RS Parcha etc, Verifying Chain Documents, (CS, RS, Khatian
etc.)

Introduction :-
"LENDING" is the most importan funcitons of a modern Bank. As a matter of fact
lending money has always been and will continue to be a risky venture and at times the
ultimate return of money may rest upon appropriate legal protection. Documentation
establishes the legal relationship between Lending Banker and the Borrowing Customer.
As such correct documentation is essantial from the view point of the safety of an
advance/loan.
"DOCUMENTATION" means obtaining necessary documents/papers/deeds in
respect of a loan/ advance before the same is disbursed. In other words documentation is
the process or technique of execution of documents in proper form and in accordance
with full legal formalities.
LOAN DOCUMENTATION may be described as the process or technique of
obtaining the relevant documents and legal documents from the Borrowers.
Nature/Types of security & way of charging security is given below :-
Sl. No. Types of Security Way of Charging Security
(a) Immovable property: Land & building etc. Mortgage
(b) Movable properties: goods, Machinaries, raw Hypothecation/Pledge
materals etc.
(c) Financial Instruments-FDR, ICB Unit, Wes- Lien, set off
Bond, Shares etc.
(d) Actionable Claim- Book debt (Accounts Assignment
receivable), Supply bill, Life Insurance
Policy etc.
(e) Title to goods- Shipping documents, Lien
Transport documents, Insurance documents.
(Cont'd.......Page-2)
 Page-2
Mortgage:
Mortgage is important part of documentation. When a borrower offers his
immovable property, like land & building/ land, as a security for loan, a charge thereon is
created by means of mortgage. As per Transper of Property Act.-1882, under Section-58
Mortgage define as -

" A Mortgage is the transfer of an interest in specific immoveable property for the
purpose of securing the payment of money advanced or to be advanced by way of loan,
existing or future debt or the performance of an engagement which may give rise to a
pecuniary liability"

o The person who mortgage the property is called 'Mortgagor'.

o The Transferee/Bank is called 'Mortgagee'.
o The amount which payment is secured called 'The Mortgage Money'
o The Instrument by which the transfer is effected is called a 'Mortgage
Deed'.

At present the Registration (Amendment) Act. 2004 and the Transfer of property
(Amendemnt) Act.2004 all types of Mortgage shall have to be Registered.

At present Bank can sell the Mortgage property under Section-12 of Artha Rin
Adalat Ain-2003 before filling any suit. On other hand Bank empowered to sell the
mortgage property under Section 33(5) & 33(7) of Artha Rin Adalat Ain 2003 through
the process of suit. Hence Mortgage property shall have to be clean for greater interest of
Bank.

Memorandum of Deposit of Title Deeds:

As per Transfer of Property Act-1882, there are six types of Mortgage. Among the
six, one is Equitable Mortgage, which is also known as Memorandum of Mortgage by
deposit of title deeds. But at present, according to the Registration (Amendment) Act.
2004 and the Transfer of Property (Amendemnt) Act. 2004, all types of Mortgage shall
have to be Registered. Hence, there is no existence of Equitable Mortgage for Banks.

During the documentation, Bank obtains all the loan documents such as title
deeds, baya deeds, Parcha, Rent Receipts etc. from their Mortgagor/Borrower. Those
deeds and papers Bank may take by a ‘declaration’ from the Mortgagor/Borrower which
is known as Memorandum of Deposit of Title Deeds. Generally Bank takes that
declaration on Non-Judicial Stamp Tk 300/-.

(Cont'd.......Page-3)
 Page-3
Documents/Deeds required for Mortgage:
For proper documentation & ascertain clean chain of title documents of propose
mortgage property the following deeds/papers shall have to be required:-
(a) Original title deed/Lease deed/Partition deed (in the name of Mortgagor).
(b) Baya deeds (from the C.S. record to up to date jarip).
(c) Certified copy of Hal Mutation parcha, D.C.R (Duplicate Carbon Receipt) . up-to-
date rent receipt (khajna) in the name of the proposed Mortgagor, Mutation
abstract copy.
(d) Location Map with proper indication of Hal Plot.
(e) Certified copy of C.S., S.A., R.S. Mat/B.S/City Jarip parcha.
(f) Non-encumbrance certificate with searching receipt duly countersigned by
concern Sub-Registrar.
(g) Up-to-date Municipal or City corporation tax receipt (if any)
(h) For lease hold property, permission for Mortgage shall have to be obtain from the
concern authorities (leasor) i.e. Rajuk/Ministry/National Housing/KDA/CDA/
Cantonment Board/BSCIC etc. in favour of concern Mortgagee Bank.
(i) Approve plan for construction loan with clearance letter from the concern
authority.

Establishment of Signboard:
After Registration of the Mortagage deed of the Mortgage Property, Bank may set
up a Signboard at the visible place of that property. It will helpful for the Bank as
because cocerned people of the sorrounding area and other Banks/Financial Institutions
become congnizant of the Mortgage of that property. During the visit/ uncertain visit of
the Mortgage Property, bank shall have to confirm the exitence of that Signboard.
Approval Plan in case of Permanent Construction:
Whenever Bank sanctioned or decide to sanction or investment in a permanent
constructin loan such as House Building loan (Residential/ Commercial) or Project loan
(construction building/ factory premises), in that case Bank shall have to obtain
Approved Plan for Construction loan with clearance letter from the concern authority
(Such as RAJUK, City Corporation, Municipal corporation, local authority etc).

Building Construction Act - 1952, Bangladesh National Building Code - 2006:

(BgviZ wbg©vb AvBb - 1952 Ges evsjv‡`k RvZxq BgviZ †KvW -2006)

When Bank sanctions or dicides to sanction a House Building Loan, in that case
Bank ensure that the proposed Mortgagor/Borrower shall follow Building Construction
Act 1952 and its latest Amendment in 2006 & Bangladesh National Building Code-
2006. Otherwise Bank may face a great problem as because whenever the
Mortgagor/Borrower violate above mentioned Acts, the concerned goverment authority
may abolish the building or cancell the approved plan for construction of the Building.
Ultimately, the Mortgagor/Borrower as well as investing Bank may face a great problem.

(Cont'd.......Page-4)
 Page-4
Bangladesh Environment Reservation Ordinance - 1997:
Govt. has promulgated this ordinance under the powers conferred by section 20 of
Bangladesh Environment Conservation Act 1995. In this ordinance govt. shall take the
following factors into consideration while declaring any area as Ecologically Critical
Area under this rule:
(a) Human habitat (gvbe emwZ)
(b) Ancient monument (cÖvPxb ¯§„wZ‡mŠa)
(c) Archeological site (cÖZœZvwË¡K ¯‟vb)
(d) Forest Sanctuary (AfqviY¨)
(e) National Park (RvZxq D`¨vb)
(f) Game reserve (†Mg wiRvf©)
(g) Wild animals’ habitat (eY¨cÖvbxi Avevm¯‟j)
(h) Wetland (Rjvf–wg)
(i) Mangrove (g¨vb‡MÖvf)
(j) Forest area (ebvÂj)
(k) Bio-diversity of the relevant area (GjvKvwfwËK Rxeb ˆewPÎ)
(l) Other factors that govt. may specify. (miKvi KZ…©K wbav©wiZ Ab¨vb¨ welq)
When Bank sanctions or decides to sanction a project loan/High rise building
loan, an Environmental Clearance Certificate is required. Before issuing clearance
certificate, the Department of Environment shall take into consideration of the site and
impact on the environment. It is classified into following four categories:
(a) Green
(b) Orange- A
(c) Orange - B
(d) Red
Requirement for the Green Category:
(1) General information about the project.
(2) No objection cerficate from the local authority.
(3) Description of raw materials and manufactured products.
Requirement for the Orange- A Category:
(1) General information about the project.
(2) No objection cerficate from the local authority.
(3) Description of raw materials and manufactured products.
(4) Lay-out plan, Process flow diagram.
(5) Out lines of Plan for relocation, rehabilitation (if necessary)
Requirement for the Orange- B Category:
(1) Report on the feasibility of the industrial unit or project.
(2) Report on the Initial Environmental Examination.
(3) No objection cerficate from the local authority.
(4) Description of raw materials and manufactured products.
(5) Lay-out plan
(6) Out lines of Plan for relocation, rehabilitation plan (if necessary)
Requirement for the Red Category:
(1) Report on the feasibility of the industrial unit or project.
(2) Report on the Initial Environmental Examination.

(Cont'd.......Page-5)
 Page-5
Fire resist & Extinguishing Act - 2003(AwMœ cÖwZ‡iva I wbe©vcb AvBb - 2003):

Under the Fire resist & Extinguishing Act 2003, govt. has established a new
department known as Fire Extinguishing and Civil Defence Authority (Previous name:
Fire Service and Civil Defence Dept.) which is Headed by a Director General. When
bank finance a construction loan/ House Building Loan for a High rise building or
Commercial building, in that case clearance is required from that Department. Hence,
before disbursing such type of loan, the Bank shall have to ensure and verify that
clearance.
Otherwise Bank may face a great problem as because whenever the
Mortgagor/Borrower violate above mentioned Act, the concerned goverment authority
may cancell the approved plan for construction of the Building. Ultimately, the
Mortgagor/Borrower as well as investing Bank may face a great problem.
Ordinance on Land Development of Non-Government Residential Project 2004
(†emiKvix AvevwmK cÖK‡í f–wg Dbœqb wewagvjv-2004):
This law is applicable for area of ‘The Town Improvement Act – 1953 and The
Building Construction Act- 1952’. When Bank or loan giving agency desire to sanction
loan or desire to invest to land development of Non-Government Residential Project,
Bank shall have to ensure that the project of the Borrower Company follow the rules and
regulation of this ordinance. In that case, Bank must verify the details lay-out plan such
as size/ shape of plots, road network, traffic circulation, school/college, internal/ external
and main road, other utilities service etc. Bank also must ensure the financial and
business aspect of such project.
NEC & Search Fee:
During the documentation, Bank shall obtain a Non-encumbrance certificate with
searching receipt duly countersigned by concern Sub-Registrar Office. Generally that
NEC issued by a local Searcher of concerned Sub-Registrar Area. That is whenever the
land is in the jurisdiction of Dinajpur Sadar Sub-Registrar area, the NEC shall have to
collect from the Searcher of that area.
During the issue of NEC, the concerned Searcher deposits a fixed amount of
Searching fee in the concerned Sub-Registrar Office and thereafter that person search the
index volume from the concerned Sub-Registrar office in respect of the
transaction/transfer of the proposed property. After searching for the last 12 years, the
concerner Searcher issues a NEC Certificate and enclosed that searching fees.

Valuation Certificate:
Whenever Bank obtains a security of landed property/ land & building/ Flat etc.
Bank shall have to ensure the value of that property. At present, some recognized
orgnization enlisted in concerned Bank may issue a valuation certificate of the proposed
Mortgage property. But bankers always ascertain the valuation of the aforesaid property
by themselves in order to minize the risk. This type of valuation is made and signed by at
least two officers/executive of the concerned bank.

(Cont'd.......Page-6)
 Page-6

During the ascertainment of value of the proposed Mortgage property, Banker

may take help from local inhibants and average value of the concerned sub-registrar
office of that property. On the other hand, whenever Banks ascertain the value of any
existing building, the longevity and the year of construction may be taken into
consideration.

When the land & building is situated in the area of a City Corporation/Municipal
Corporation, the value may be ascertained/varied on the basis of plan approved or not.

Purchase Deed:

During the Mortgage or Documentation of loan, Bank generally obtains the

original Sale Deed/Heba Deed/Declaration of Heba Deed/ Exchange Deed/ Lease Deed
etc. Bank shall have to verify the genuineness of those deeds from the concerned Sub-
Registrar Office.

On the other hand, the genuineness of the aforesaid deeds may ascertain by the
photo and the signature of the purchaser/Donee and Seller/Doner which are available in
the deeds excuted after 01.07.2005.

Certified Mutation Khatian, DCR(Duplicate Carbon Receipt )and Rent Receipt:

During the Mortgage or Documentation of loan, Bank must obtain the certified
copy of Mutation Parcha, DCR and Rent Receipt which are issued from the concerned
office of the Assistant Commissioner (Land). Generally, after purchasing/obtaining any
land/building, the said person files a Mutation Case to the office of the Assistant
Commissioner (Land) for mutating/including his/her name instead of the
vendors/Doners’ name.

Thereafter, the A/C (land) forwards that muatation case for reporting to the
concerned land office i.e. Tohoshil Office. The Tohoshil office prepares a report on the
basis of documents available in their office and recommends for opening seperate
khatian. Then the A/C (land) office approves that case and issues a Mutation Parcha,
DCR and concerned Tohoshil office (Land office) collects rents and issuea Rent
(Khanjna) Receipt.

(Cont'd.......Page-7)
 Page-7

PROPER IDENTIFICATION OF C.S., S.A., R.S., B.S./City Jarip parcha

and process of verification of said parcha/deeds etc. are given below:-

wb‡æ wm,Gm cP©vi GKwU bgybv Kwc †`Lv‡bv n‡jv t-

(cÖ_g c„ôv)
evsjv‡`k dig bs-
wRjv- †gŠRv- †Rt Gj bs- LwZqvb bs-
_vbv - ciMbv- †itmvs bs- †ZŠwR bs-

Dc‡ii ¯^‡Z¡ aviv g‡Z I †Kvb

AÎ ¯^‡Z¡i †`q ZvwiL nB‡Z
LwZqvb weeiY I `LjKvi msw¶ß ci¯•i LvRbv †mm wk¶v LvRbv †mm
bs Ask †mm
gvq evUv gše¨

AÎ ¯^‡Z¡i weeiY I `LjKvi Ask AÎ ¯^‡Z¡i weeiY I `LjKvi Ask AÎ ¯^‡Z¡i †kÖYx I
we‡kl wbqg Abym½

49/50/53 ev 63
aviv g‡Z †bvU ev cwieZ©b
(gvq †gvKÏgv bs Ges mb)

Cont'd.......Page-8
 Page-8
(Aci c„ôv)
LwZqvb bs AÎ ¯^‡Z¡i wbR `Lwjq Rwg
`vM bs Rwgi iKg DËi gše¨ `v‡Mi †gvU cwigvb `v‡Mi `v‡Mi g‡a¨ ¯^‡Z¡i As‡k
mxgvbv g‡a¨ AÎ Rwgi cwigvb
Gt kt ¯^‡Z¡i Ask Gt kt

wbR `Lwjq Rwgi ‡gvU cwigvb

Awab¯‟ ¯^‡Z¡i LvRbv
cÖvc‡Ki LwZqvb bs
(gvq evUv)

Awab¯‟ ¯^‡Z¡i †gvU cwigvY

meŸ© †gvU
wm,Gm cP©v ‡Pbvi mnR Dcvq n‡jv t- DI“ cP©vq ciMbv, †ZŠwR Ges Rwgi DËi mxgvbvq Rwgi gvwj‡Ki bvg m¤^wjZ
Z_¨vw` _v‡K| ewY©Z cP©vwU †`L‡Z j¤^v‡U, Dfq c„ôvq Z_¨vw` we`¨gvb Ges weei‡Yi †¶‡Î A‡bK mgq Rwg`v‡ii bvg,
ivqZ BZ¨vw` D‡j­L _v‡K|
†ZŠwRt 1793 m‡b cÖeZx©Z wPi¯‟vqx e‡›`ve¯xq f‚wgi Rb¨ Kv‡j±ix‡Z †h †iwRóvi _vKZ Zv‡K e‡j †ZŠwR| cÖ‡Z¨K †ZŠwRi
‘wgK bs _vKZ| Rwg`v‡ii Aax‡b cÖRvi †RvZ‡KI †ZŠwR ejv nZ|
†R,Gj bs-(RywimwWKkb wjó b¤^i) Dc‡Rjv ev _vbvi AšM©Z †gŠRvmg‡ni cwiwPZgjK ‘wgK b¤^i‡K ejv nq †R,Gj
b¤^i|
†gŠRv t-†gŠRv nj Rwi‡ci GKwU †fŠMwjK BDwbU| GKwU BDwbqb‡K K‡qKwU †fŠMwjK BDwb‡U fvM K‡i Rwic
cwiPvjbv Kiv nq| GBiƒc cÖwZwU BDwbU‡K †gŠRv e‡j|
ciMbvt-Rwg`v‡ii AvIZvaxb GjvKv n‡jv ciMbv|
LwZqvb-LwZqvb n‡jv `Lj ¯^‡Z¡i cÖvgvb¨ cÎ/`wjj| mvaviY fv‡e ¯^Z¡ msi¶b I ivR¯^ Av`v‡qi D‡Ï‡k¨ Rwic wefvM
KZ©„K cÖ‡Z¨K †gŠRvi f‚wgi gvwjK ev gvwjKM‡Yi bvg, wcZv A_ev ¯^vgxi bvg, wVKvbv, wnm¨v (Ask) Ges Zv‡`i ¯^Z¡vaxb
`vM ev `vMmg‡ni b¤^imn f‚wgi cwigvb, †kÖYx Bnv‡`i Rb¨ †`q LvRbv BZ¨vw` weeiYmn ‘wgK msL¨v Abymv‡i †h ¯^Z¡
ZvwjKv ev ¯^‡Z¡i †iKW© cÖ¯Z„ Kiv nq Bnv‡`i cÖ‡Z¨KwU‡K LwZqvb ejv nq| Ab¨fv‡e LwZqvb ej‡Z eySvq GK ev
GKvwaK `v‡Mi m¤•Y© ev AvswkK cwigvb f‚wg wb‡q GK ev GKvwaK e¨wI“i bv‡g miKvi ev ivR¯^ Awdmvi KZ©K „ †h f‚wg
¯^Z¡ cÖ¯Z
„ Kiv nq Zv‡K LwZqvb ejv nq|
`vM b¤^i-GKwU †gŠRvi wewfbœ †kÖYxf‚I“ Rwg‡K b·vq †h c„_K cwiwPZ b¤^i Øviv wPwýZ Kiv nq Zv‡K ejv nq `vM b¤^i|
A_©vr f‚wgi weeiY, wnmve msi¶b I cwiwPwZi Rb¨ Rwic wefvM †`‡ki mgy`q f‚wg‡K wewfbœ AvKv‡i I cwigv‡b L‡Û L‡Û
ev As‡k wef³ K‡i‡Q G mKj f‚wgi LÛvs‡ki cÖ‡Z¨KwU‡K `vM ev c­U ejv nq| †gŠRv/b·vq DËi-cwðg n‡Z 1bs `vM
ïi“ n‡q `w¶b-c‡e© wM‡q †kl nq|
evUv `vM-b·vq fzj ekZt †Kvb c­‡Ui b¤^i ev` co‡j †gŠRvi †kl c­U b¤^iwUi c‡ii b¤^i wb‡P wj‡L ev` cov c­‡Ui wVK
Dc‡ii c­‡Ui b¤^iwU Dc‡i wj‡L fMœvs‡ki b¨vq cÖvß †h b¤^i w`‡q ev` cov c­UwU wPwýZ Kiv nq Zv‡K ejv nq evUv `vM|

Cont'd.......Page-9
 Page-9

(L) Gm,G LwZqvb (‡óU G¨vKzBwRkb-State Acquisition)t miKvi KZ©„K Rwg`vix MÖn‡Yi D‡Ï‡k¨ ivóªxq AwaMÖnY I cÖRv ¯^Z¡ AvBb-1950 Abymv‡i 1956
†_‡K 1962 mv‡ji g‡a¨ GB Rwic Kvh© m¤•bœ nq| Gm,G LwZqvb ˆZix nq wm,Gm Rwi‡ci †iK‡W©i wfwˇZ| d‡j DI“ LwZqvb mvwe©Kfv‡e ΓwU gyI“ nqwb| Gm,G
cP©v ‡`L‡Z AvovAvwo fv‡e GK c„ôvq Z_¨ m¤^wjZ cÖ¯„ZK…Z Ges DI“ cP©vi gš‡e¨i Kjv‡g AvÛvi †mKkvb (BD/Gm) 24/1 †jLv _v‡K| evsjv‡`‡ki wKQy wKQy
A‡j Gm,G cP©vi Aci bvg Avi I Avi (†iKW© Ab ivBU)| wb‡æ Gm,G cP©vi GKwU bgybv Kwc †`Lv‡bv n‡jv t-

evsjv‡`k dig bs
wRjv- _vbv- †gŠRv- †R,Gj bs-

LwZqvb gvwj‡Ki bvg I wVKvbv Ask `vM bs Rwgi †kÖYx `v‡Mi †gvU `v‡Mi g‡a¨ `v‡Mi g‡a¨ AÎ ivR¯^ gše¨
bs cwigvb AÎ LwZqv‡bi LwZqv‡bi Rwgi cwigvb
Gt kt wnm¨v Gt kt

BD,Gm
24/1

Cont'd.......Page-10
 Page-10

(M) Avi,Gm LwZqvb (wiwfkbvj mv‡f©-Revisional Survey)t Gm,G LwZqv‡bi ΓwU wePz¨wZ `i Ki‡Yi
j‡¶¨ 1965 mv‡j Avi,Gm Rwi‡ci Kvh©‘g ïi“ nq Ges 1975 m‡bi ce© ch©š G Kvh©‘g Pvjy _v‡K| Avi,Gm
cP©vwU †`L‡Z j¤^v‡U, Dfq c„ôvq Z_¨vw` we`¨gvb| evsjv‡`‡ki †Kvb †Kvb A‡j Avi,Gm cP©v †`L‡Z A‡bKUv
Gm,G cP©vi Av`‡j cÖ¯„ZK…Z Z‡e †mLv‡b gš‡e¨i Kjv‡g AvÛvi †mKkvb 24/1 †jLv _v‡K bv| wb‡æ Avi,Gm
cP©vi GKwU bgybv Kwc †`Lv‡bv n‡jv t-

(cÖ_g c„ôv)
evsjv‡`k dig bs-
LwZqvb bs-
wRjv- _vbv
†gŠRv- †R,Gj bs- †it mv‡f© bs-

gvwjK, AK…wl ev BRviv`v‡ii Ask ivR¯^/© LvRbv ... avivg‡Z avh©¨ gše¨ AÎ ¯^‡Z¡i
bvg I wVKvbv UvKv cqmv ivR¯^ †h ZvwiL †kÖYx we‡kl
nB‡Z Avg‡j wbqg I
Avwm‡e Abygvb
1 2 3 4 5 6

......avivg‡Z †bvU ev cwieZ©b

gvq †gvKÏgv bs Ges mb

Cont'd.......Page-11
 Page-11
(Aci c„ôv)

`vM bs Rwgi †kÖYx ivR¯^ `v‡Mi †gvU cwigvb `v‡Mi `v‡Mi g‡a¨ AÎ
g‡a¨ AÎ LwZqv‡bi Rwgi
LwZqv‡bi cwigvb
K…wl AK…wl GKi kZvsk wnm¨v GKi kZvsk
7 8 9 10 11 12

†gvU

(N) gvV Rwic t AÎ Rwi‡ci GLbI bvgKiY Kiv nqwb Ges Rwi‡ci Kvh©vw` mgMÖ evsjv‡`k e¨vcx GLbI m¤•bœ
nqwb| D`vniY ¯^i“c XvKv kn‡ii Rwic Kvh© m¤•bœ n‡q‡Q, wKQy wKQy GjvKvq wcÖ‡›UW cP©vI mieivn Kiv
n‡q‡Q| wKš„ XvKvi AwZ mwbœKUeZx© bvivqbMÄ †Rjvi dZzj­v, wmw×iMÄ, †mvbviMvu BZ¨vw` GjvKvq GLbI gvV
Rwic Kvh©vw` m¤•bœ nqwb| wb‡æ gvV Rwic cP©vi GKwU bgybv Kwc †`Lv‡bv n‡jv t-

Cont'd.......Page-12
 Page-12

LwZqvb bs-
wefvM- wRjv- _vbv- †gŠRv- †R,Gj bs- †it mvt bs-

gvwjK, AK…wl cÖRv ev Ask ivR¯^ `vM Rwgi †kÖYx `v‡Mi †gvU `v‡Mi g‡a¨ Askvbyhvqx Rwgi `Lj welqK ev Ab¨vb¨
BRviv`v‡ii bvg I wVKvbv bs cwigvb AÎ LwZqv‡bi cwigvb we‡kl gše¨
Ask
1 2 3 4 K…wl AK…wl GKi kZvsk 7 GKi kZvsk 9
5 (K) 5(L) 6(K) 6(L) 8(K) 8(L)

......avivg‡Z †bvU ev cwieZ©b †gvU Rwg

gvq †gvKÏgv bs Ges mb

Cont'd.......Page-13
 Page-13

e„nËi cve©Z¨ PÆMÖvg I PÆMÖvg¯’ m¤•wËi LwZqvb:

(K) e„nËi cve©Z¨ PÆMÖv‡g wm,Gm Rwicmn †Kvb Rwi‡ci Kvh©‘gB cwiPvwjZ nqwb| Z‡e Rwic
Kvh©‘‡gi cÖ¯„wZ Pj‡Q| Abyiƒc fv‡e wm‡jU †Rjvq wm,Gm Rwi‡ci Kvh©‘g nqwb| cieZx©‡Z 1950 m‡bi ivóªxq
AwaMÖnY I cÖRv¯^‡Z¡i AvB‡bi AvIZvq Gm,G Rwi‡ci Kvh©‘g n‡q‡Q| d‡j e„nËi wm‡jU †Rjvq Gm,G Ges
wm,Gm LwZqvb GKB|

(L) evsjv‡`‡k cÖ_g †RjvIqvix K¨vWv†ªvj Rwic Kiv nq| cieZx©Kv‡j, K¨vWv†ªvj Rwic‡K cÖ_g
K¨vWv†ªvj Rwic Gi g‡a¨ cv_©K¨ Kivi Rb¨ wiwfkbvi †m‡Uj‡g›U Acv‡ikb (Revisional Settlement
Operation) ev Avi.Gm bvgK Rwic Kiv nq| wm.Gm Rwic mgvwßi ci ciB wKQy †Rjvq GB Rwic
ms‡kva‡bi cÖ‡qvRb c‡o| Z`v‡jv‡K Avi.Gm ev wiwfkbvj †m‡Uj†g›U (Revisional Settlement) Gi
Kvh©‘g cwiPvwjZ nq| D³ †m‡Uj‡g‡›Ui Av‡jv‡K PÆMÖvg I Ab¨vb¨ wKQ– wKQ– GjvKvq wm.Gm †iK‡W©i fzjmg–n
ms‡kvab Kivi Rb¨ cybivq Rwic Kiv nq, hv Avi.Gm Rwic wn‡m‡e cwiwPZ| A_v©r PUªMÖv‡g wm.Gm Rwic bv‡g
†Kvb Rwic Gi Kvh©‘g bvgKib Kiv nqwb, hv n‡q‡Q Zv Avi.Gm wn‡m‡e bvgKib Kiv nq|

(M) cieZx©‡Z, PÆMÖvg GjvKvq Ab¨vb¨ GjvKvi b¨vq Gm.G Rwi‡ci Kvh©‘g m¤•bœ n‡jI Gi bvgKib
Kiv nq wc.Gm (Pakistan Survey) wn‡m‡e| d‡j PUªMÖvg GjvKvq Gm.G LwZqvb wn‡m‡e †Kvb LwZqvb bvB,
hv D³ mg‡q (1950-1956) Rwic Kvh©‘‡gi gva¨‡g †h cPv© ˆZix nq, Zvi bvgKib Kiv nq wc.Gm (Pakistan
Survey) cPv© wn‡m‡e|

(N) me©‡kl PÆMÖv‡g †h Rwic Kvh©‘g m¤•bœ Kiv nq ev GLbI n‡”Q, Zv we.Gm. (Bangladesh
Survey) cPv© wn‡m‡e cwiwPZ|

(O) PÆMÖvg¯‟ Avi.Gm LwZqvb †`L‡Z Ab¨vb¨ GjvKvi wm.Gm LwZqv‡bi b¨vq; D³ cP©vq ciMbv, †ZŠwR
Ges Rwgi DËi mxgvbvq Rwgi gvwj‡Ki bvg m¤^wjZ Z_¨vw` _v‡K| ewY©Z cP©vwU †`L‡Z j¤^v‡U, Dfq c„ôvq Z_¨vw`
we`¨gvb Ges weei‡Yi †¶‡Î A‡bK mgq Rwg`v‡ii bvg, ivqZ BZ¨vw` D‡j­L _v‡K| m‡e©vcwi, ewY©Z cPv©i gš@e¨
Kjv‡g mb D‡jţL Kiv Av‡Q| Ab¨vb¨ GjvKvi wm.Gm LwZqv‡b cÖ_g c„ôvi evg w`‡K ÔÔ49/50/51/53 ev 60 aviv g‡Z
†bvÆ ev cwieZ©bÕÕ k㸇jv †jLv _v‡K wKš„ PÆMÖvg¯‟ Avi.Gm LwZqv‡bi cÖ_g c„ôvi evg w`‡K ÔÔ105/106/108/109
aviv g‡Z LwZqv‡bi `vM I bsÕÕ D‡jţL _v‡K|

(P) PÆMÖvg¯‟ wc.Gm (Pakistan Survey) LwZqvb †`L‡Z PÆMÖvg¯‟ Avi.Gm LwZqv‡bi gZB j¤^v‡U|
wKš„ wc.Gm LwZqv‡bi b¤^‡i Dc‡i Av‡iv GKwU b¤^i _v‡K| D³ b¤^i Øviv mv‡eK LwZqvb b¤^i eySvq| wKš„
Avi.Gm LwZqv‡b GBiƒc mv‡eK b¤^i _v‡K bv| wc.Gm LwZqv‡bi †¶‡Î DËi mxgvbvi `Lj`v‡ii NiwU Lvwj
_v‡K| GB LwZqv‡bi cÖ_g c„ôvi bx‡P evg cv‡kŢ© ÔÔ49/50/51/52/53 avivg‡Z bvg ev cwiewËi bvg †gvKÏgv
Ges mbÕÕ D‡jţL _v‡K|

(Q) PÆMÖvg¯‟ we.Gm LwZqvb ‡`L‡Z AvovAvwo fv‡e GK c„ôvq Z_¨ m¤^wjZ cÖ¯„ZK…Z|

Cont'd.......Page-14
 Page-14
Awc©Z (Vested), cwiZ¨vI“ (Abandoned) Ges miKvix gvwjKvbvaxb (State owned
properties) m¤•wË:

(1) Awc©Z (Vested), cwiZ¨vI“ (Abandoned) Ges miKvix gvwjKvbvaxb (State owned
properties) m¤•wËi m¤•‡K© Av‡jvPbv Kivi cÖvKKv‡j Avgv‡`i †`‡k wewfbœ mgq f‚m¤•wËmg‡ni Rwic Kvh©vw`i
welqwU Rvbv _vKv cÖ‡qvRb| G‡`‡k weªwUk Avg‡j wm,Gm (K¨vWvóªvj mv‡f©) Kvh©‘g 1888 mv‡j K·evRvi †Rjv
†_‡K ïi“ nq Ges 1940 mv‡j w`bvRcyi †Rjvq Rwi‡ci gva¨‡g †kl nq| Gm,G (‡óªU G¨vKzBwRkb) ivóªxq AwaMÖnY
I cÖRv ¯^Z¡ AvBb-1950 Abymv‡i 1956 †_‡K 1962 mv‡ji g‡a¨ GB Rwic Kvh© m¤•bœ nq| Avi,Gm (wiwfkbvj
mv‡f©) Gm,G LwZqv‡bi ΓwU wePz¨wZ `i Ki‡Yi j‡¶¨ 1965 mv‡j Avi,Gm Rwi‡ci Kvh©‘g ïi“ nq Ges 1975
m‡bi ce© ch©š Ges gvV Rwic/nvj Rwic Gi bvgKiY GLbI Kiv nqwb Ges Rwi‡ci Kvh©vw` mgMÖ evsjv‡`k e¨vcx
GLbI m¤•bœ nqwb|

DI“ RwicKvjxb mg‡q miKvix gvwjKvbvaxb m¤•wËmgn 1bs LwZqvb f‚I“ wnmv‡e †`Lv‡bv n‡q‡Q A_©vr
weªwUk Avg‡j †h mKj m¤•wË miKvix m¤•wË wnmv‡e †NvwlZ wQj ev miKvix gvwjKvbvaxb m¤•wËmgn wm,Gm †iKWx©q
cP©vq 1bs LwZqvb wnmv‡e ‡iKW©f‚I“ n‡q‡Q| cieZx©‡Z Gm,G, Avi,Gm I gvV Rwic Kvjxb mg‡q DI“ m¤•wË 1bs
LwZqvb †iKW©f‚I“ n‡q‡Q| wm,Gm Rwic cieZx©‡Z miKvix cÖ‡qvR‡b †h mKj m¤•wË miKvi KZ©„K ûKzg `Lj Kiv
n‡qwQj, Zv Gm,G Rwi‡c 1bs LwZqvb f‚I“, cieZx©‡Z Avi,Gm Ges gvV Rwi‡cI 1bs LwZqvb f‚I“| d‡j miKvix
gvwjKvbvaxb m¤•wËmgn LwZqv‡bi b¤^i †`‡L wbiƒcb Kiv m¤¢e Ges AviI AwaKZi wbŤqZvK‡í †Pqvig¨vb, f‚wg
cÖkvmb †evW© Gi eive‡i `iLv‡¯i gva¨‡g mswk­ó _vbv/ †gŠRvi miKvix m¤•wËi ZvwjKv cvIqv †h‡Z cv‡i|

Awc©Z ev Vested wn‡m‡e †NvwlZ m¤•wË B‡Zvg‡a¨ miKvi ÔKÕ I ÔLÕ Zdmx‡j wef³ K‡i‡Qb|
Zš§‡a¨, ÔKÕ Zdmx‡j ewY©Z m¤•wË miKv‡ii Lvm `L‡j Ges ÔLÕ Zdmx‡j ewY©Z m¤•wË Rbmvavib ev e¨w³ ev
cÖwZôv‡bi `L‡j Av‡Q| MYcÖRvZš¿x evsjv‡`k miKvi, f‚wg gš¿bvj‡qi AvBb AwakvLv-4 Gi 21.11.2013
Zvwi‡Li cwicÎ Øviv ÔLÕ Zdmxjf‚³ m¤•wˇK Vested ZvwjKv †_‡K evwZj Kiv n‡q‡Q| d‡j ÔLÕ
Zdmxjf‚³ m¤•wË, hv †Kvb c‡¶i gvwjKvbvaxb ev `Ljvaxb Av‡Q, Zv nvjbvMv` LvRbv I bvgRvix Kvh© m¤•bœ
n‡q _vK‡j Zv Awc©Z m¤•wË wn‡m‡e MY¨ n‡e bv|

(2) cvwK¯vb Avg‡j 1965 m‡b Avgv‡`i †`‡ki mv‡_ fviZ-cvwK¯vb hy× cieZx© mg‡q wKQy †jvK
we‡kl wn›`y m¤•ª`v‡qi wKQy †jvK fvi‡Z AvkÖq †bq| hy× cieZx© mg‡q ZrKvjxb cvwK¯vb miKvi fviZMvgx e¨wI“
e‡M©i m¤•wËmgn‡K G¨vwbwg ev kΓ m¤•wË wnmv‡e †NvlYv K‡iwQ‡jb| cieZx©‡Z Avgv‡`i G †`k 1971 m‡b
cvwK¯vb †_‡K ¯^vaxbZv jv‡fi ci fviZ-evsjv‡`k Gi g‡a¨ eÜzZ¡ m¤•‡K©i m„wó nq| djkÖ“wZ‡Z kΓ m¤•wË AvBb
cwieZ©b K‡i evsjv‡`k miKvi DI“ m¤•wËmgn‡K Awc©Z m¤•wË ev (Vested) wnmv‡e †NvlYv K‡i| d‡j Avi,Gm
(wiwfkbvj mv‡f©) Kvjxb mg‡q Awc©Z m¤•wË mgn Avi,Gm cP©vq gvwj‡Ki bv‡gi c‡i nvj mvs-fviZ ev wKQy wKQy
†¶‡Î †Rjv cÖkvmK, MYcÖRvZšx evsjv‡`k miKvi ev evsjv‡`k miKvi c‡¶ †WcywU Kwgkbvi .......... †Rjv Ges
gš‡e¨i Kjv‡g Vested †jLv n‡q‡Q| DI“ m¤•wË mgn nvj Rwic A_©vr gvV Rwi‡c 1bs LwZqvb wnmv‡e wjwce×|

(3) cwiZ¨vI“ m¤•wË t 26 †k gvP© 1971 ZvwiL n‡Z †h mKj bvMwiK evsjv‡`‡ki ¯^vaxbZvi
we‡ivwaZv K‡i m¤•wË cwiZ¨vM K‡i †`k †Q‡o P‡j hvq, Zv‡`i †d‡j hvIqv m¤•wˇK e‡j cwiZ¨vI“ m¤•wË|
cwiZ¨vI“ m¤•wË mgn Avi,Gm Ges nvj Rwic LwZqv‡bi gše¨ Kjv‡g cwiZ¨vI“/Abandoned †jLv _v‡K Ges
gvwj‡Ki Kjv‡g evsjv‡`k miKvi c‡¶ †WcywU Kwgkbvi ev †Rjv cÖkvmK, MYcÖRvZšx evsjv‡`k miKvi,
.......... †Rjv †jLv _v‡K| me©‡kl RvgvbZ wnmv‡e cÖ¯vweZ m¤•wËwU miKvix Lvm, cwiZ¨vI“ ev Awc©Z (wfwc)
wKbv, AwaMÖnYK…Z ev AwaMÖn‡Yi Rb¨ †bvwUkK…Z wKbv Zv mswkó m¤•wËi GjvKvaxb Dc‡Rjv f‚wg Awdm ev †Rjv
cÖkvm‡Ki Kvh©vj‡qi Gj,G (j¨vÛ BKzBwRkvb) kvLv †_‡K Rvbv hv‡e|

******
 Lawyer’s Opinion of the Property:
On the strength of deeds/documents/ Parcha and other papers, Banks Panel lawyer/Legal
Advisor issue a legal opinion in respect of the proposed Mortgage Property. A sample of
legal opinion is given below:

Sample of a legal opinion

Ref: Date: .

TO WHOM IT MAY CONCERN

TITLE VERIFICATION CERTIFICATE

I have scrutinized and verified the photocopy of the following documents/papers/ deeds
submitted by MOST. KAWSAR SULTANA W/o. Kazi Shafiqul Islam through Agrani Bank
Limited, Principal Branch, Dhaka:-

1. (a) Original Registered Heba-Bil-Ewaj Deed No.7668 dt. 30-12-2003 executed by Md.
Abdul Hakim & Umme Kulsum Nazma Khatoon infavour of their daughter MOST. KAWSAR
SULTANA W/o. Kazi Shafiqul Islam, inrespect of 13 decimals of land of Mouza-Damripara,
P.S.-Demra being C.S. & S.A. Plot No.446, R.S. Plot No.284 (Registered at Demra S.R. Office,
Dhaka).

(b) Baya Original Registered Sale Deed No.6192 & 6196 dt.30-07-1989 executed by
Khan Md. Iqbal Jahan infavour of Md. Abdul Hakim & Umme Kulsum Nazma Khatoon
inrespect of 13 decimals of land of Mouza-Damripara, P.S.-Demra being C.S. & S.A. Plot
No.446, R.S. Plot No.284 (Registered at Demra S.R. Office, Dhaka).

(c) Previous baya deed of exchange being No.4652 dt. 25/05/1987 executed between
Alhaj Dr. Md. Abdur Nur Bhuiyan & Khan Md. Iqbal Jahan, inrespect of inrespect of 73
decimals of land of Mouza-Damripara, P.S.-Demra being C.S. & S.A. Plot No.446, R.S. Plot
No.284 & other properties (Registered at Rupgonj S.R. Office, Narayongonj).

(d) Previous baya Sale deed being No.1339 dt. 21/01/1976, executed by Sree Rasik
Chandra Mollik S/o. Late Hara Chandra Mollik, infavour of Alhaj Dr. Md. Abdur Nur Bhuiyan,
inrespect of inrespect of 73 decimals of land of Mouza-Damripara, P.S.-Demra being C.S. &
S.A. Plot No.446, R.S. Plot No.284 & other properties (Registered at Sadar S.R. Office, Dhaka).

(e) Certified copy of Mutation parcha, D.C.R, Mutation abstract, Khajna receipt, baya
Mutation parcha, D.C.R. Dakhila etc.

(f) Certified copy of C.S., S.A. R.S. & Dhaka City Jarip (printed) parcha.

(g) Non-encumbrance certificate dated 02/05/2012 issued by Md. Abdul Halim (Tamiz),
Deed writter & Searcher of Demra S.R. office, Dhaka, being licence No.14 & searching receipt.

2. MOST. KAWSAR SULTANA W/o. Kazi Shafiqul Islam got the scheduled property by
the above mentioned Heba-Bil-Ewaj Deed. Mutation Parcha, D.C.R., Mutation abstract &
Dakhila indicate that she has got the aforesaid land mutated in her name from the office of the
A.C (Land) Tejgaon Circle, Dhaka as per R.S. recorded parcha vide the Mutation Case
No.1366/04 dt. 10-03-2004 & she paid khajna up-to 1416 B.S. But her name has not been
properly mutated on the basis of Dhaka City Jarip parcha.

3. The Baya deeds and other relevant papers show that the chain of ducuments is in-order.
In the C.S. parcha being khatian No.165 the name of Bihari Lal Mollik-1., Kishori Lal Mollik-
1., Rasik Lal Mollik-1. & Gaora Hari Mollik-1., sons of late Hara Chandra Mollik have been
recorded. In the S.A. parcha, being khatian No. Sabek-165 Hal-287, the name of Rasik Chandra
Mollik - S/o. Late Hara Chandra Mollik, Bhokti Bhuson-√ , Chaitanna Hori Mollik-√ sons of
Kishori Lal Mollik have been recorded. In the R.S. parcha being khatian No.275 the name of
Rasik Chandra Mollik-11 S/o. Late Hara Chandra Mollik, Bhokti Bhuson-1, Chaitanna Hori
Mollik-1, sons of Kishori Lal Mollik have been recorded. The said Rasik Chandra Mollik sold
the scheduled property & other properties infavour of Alhaj Md. Abdur Nur Bhuiyan in 1976 &
the said Alhaj Dr. Md. Abdur Nur Bhuiyan exchanged the aforesaid property & other properties
with Khan Md. Iqbal Jahan in 1987. Thereafter Khan Md. Iqbal Jahan sold the scheduled
property infavour of Md. Abdul Hakim & Umme Kulsum Nazma Khatoon in 1989 & their
names have been properly mutated & properly recorded in the Dhaka City Jarip parcha being
khatian No.270. The said Md. Abdul Hakim & Umme Kulsum Nazma Khatoon gifted
(Heba-Bil-Ewaj) the scheduled property infavour of their daughter MOST. KAWSAR
SULTANA W/o. Kazi Shafiqul Islam vide deed No.7668 dt. 30-12-2003.

4. It appears on the basis of above mentioned documents/papers that MOST. KAWSAR

SULTANA W/o. Kazi Shafiqul Islam has substantial right, title, interest & ownership over the
scheduled property and I am of the opinion that the Bank may accept the proposal for legal
mortgage of scheduled property as security for proposed loan subject to verification of
physical possession & proper demarcation of the said property and obtain up-to-date
Mutation of the basis of Dhaka City Jarip & up-to-date Rent receipt in the name of the
proposed Mortgagor.

Bank is further advised to scrutinize all the title deeds, Mutation parcha, DCR, up-
to-date rent receipts & other relevant papers from the concern issuing authority i.e. Sub-
Registrar office, AC (land), Tohsil office & obtain the Original title deed in the name of the
Mortgagor as well as Original baya deeds.

SCHEDULE OF THE PROPERTY

Dist.-Dhaka, P.S.& S.R. office-Demra, Mouza-Damripara, J.L No. C.S.-320, S.A.-155,
R.S.-31, Dhaka City Jarip-19, Khatian No. C.S.-165, S.A.-287, R.S.-275, Dhaka City Jarip-270,
Mutation-417, Jote No.1202, Plot No. C.S. & S.A.-446 (Four hundred forty six), R.S.-284 (two
hundred eighty four), Dhaka City Jarip-6819, area of land 13 (thirteen) decimals with all
structures & fixtures thereon.

( ......................... )

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