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 : 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.
 Karachi Division
Title Documents Other documents
required for investment
Lease hold properties
1. Lease/Sub-Lease/Sub- 1. Mutation/Transfer
Liscence 2. Permission to Assign
2. Sale Deed (if there is 3. NEC / (Search
subsequent transaction) Certificate)
3. Gift Deed (If property is 4. Site Plan
gifted) 5. Building Plan duly
4. Exchange Deed (if Property is approved along with
acquired in exchange). approval letter
 Hyderabad/ MirpurKhas Division
Title Documents Other documents required for investment
A. Free hold properties (Rural Areas): 1. N.E.C. for last 12 years
1. L-20, Ownership Certificate duly issued by the 2. Approved Building Plan with
Taluka Mukhtiarkar or Sanad approval letter
2. Deh Form-VII
3. Approved Site Plan
3. Deh Form-II (Mutation)
B. Free Hold Property (Urban Areas): 4. Aks-e-Shajra
1. P.T.O./P.T.D/Sale Deed/Gift Deed 1. N.E.C. for last 12 years
2. City Survey Extract/Deh Form-II (Mutation) 2. Approved Building Plan with approval
3. Statement issued by the Legal Heirs along with letter
copy of statement from City Survey in cases of 3. Approved Site Plan
heir ship
1. Permission to Assign (L-19)
C. Lease Hold Property:
2. N.E.C. from the date of execution of
1. Lease Deed/Sub-Lease Deed/Sale Deed/Gift
lease deed
Deed
3. Approved Building Plan with approval
2. Deh Form-II (Mutation)
letter
3. Allotment order
4. Approved Site Plan
D. Cantonment Areas:
5. Clearance Certificate from MEO
1. Lease Deed 6. Permission to Assign (L-19)
2. Extract of the Property 7. Approved Building Plan with approval
letter
8. Approved Site Plan
 Sukkur/ Larkana/ Jacobabad/ Dadu/
Khairpur
Title Documents Other documents required for investment
Urban Area
1. Sale Deed 1. N.E.C.
2. P.T..D/P.T.O 2. Permission to Assign
3. F.T.O. 3. Approved Building Plan with
4. Gift deed approval letter
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 1. N.E.C.
Council Authorities 2. Approved Building Plan
2. Owner Ship Certificate issued by 3. Development Certificate
Mukhtiarkar concerned issued by Union Council
3. Deh Form-II
 Quetta/ Bolochistan
Title Documents Other documents required for investment
A. Lease hold properties
1. Lease Deed 1. Fard Jamabandi Record
2. Sale Deed (in case of subsequent transaction) 2. Sale Deed (in case there is subsequent
3. Mutation transaction (Registered)

B. Free Hold Property (Rural & Urban Area) 1. Permission to assign

1. Sale Deed (Registered) 2. N.E.C. from the date of lease deed
2. Mutation in favor of Applicant 3. Approved Building Plan
3. Fard
4. Jamabandi Record for last 15 years

C. Free Hold Property (with no sale deed): 1. Building Plan with Building Permit
1. Mutation in Favor of applicant 2. N.E.C.
2. Fard 3. Aks e Shajra
3. Jamabandi Record 4. Sakni Certificate
4. L-20 (Certificate of Assurance)

D. Lease Hold cases of Cantonment Area 1. Building Plan with Building Permit
1. Lease Deed (Registered) 2. N.E.C.
2. Sale deed (In case of a subsequent Transaction) 3. Aks-e-Shajra

E. Lease Hold cases where land leased by Municipal/Town 1. Site Plan

Committee, Local Govt, Prov.Govt. 2. Non Encumbrance Certificate
1. Jamabandi Record for last 15 year 3. Permission to Assign (L-19)
4. Building Plan with Building Permit
 Quetta Lease deed (Patta) Registered
QDA Cases
• where still the cost of land has • Sale/Purchase Agreement
not been fully paid yet)

• where the cost of Land has • Final Transfer Deed

completely been paid (Registered).

• where the house has been • Sale Deed (Registered)

constructed and investment is Fard
required for further
construction
 Multan/ Bahawalpur Division
Title Documents Other documents required for investment

(a) Free hold properties (Urban) 1. Aks-e-Shajra

1. Sale Deed/Gift Deed/Exchange Deed/Court 2. N.E.C. for last 12 years
Decree 3. Approved Building plan +
2. Court certified copy of Mutation Approval letter
3. Copy of record of Right (Fard Malkiyat)

(b) Urban area land where no record is available in 1. N.E.C (for the last 12 years)
Revenue Department: 2. Clearance certificate from Excise &
1. P.T.D. Taxation Department
2. Confirmation of P.T.D. 3. Building plan + Approval letter
3. PT-I 4. Indemnity Bond regarding finality of
P.T.D.

(c) Lease Hold Property: 1. Permission to Assign

1. Lease Deed/Sub Lease Deed 2. Building Plan + Approval letter
2. Extract from GLR 3. N.E.C. from the date of Lease Deed
4. Approved Building Plan
 Faisalabad/ Sargodha Division
Title Documents Other documents required for
investment
A. Free Hold property (Urban Area) 1. Aks-e-Shijra
1. Sale deed, 2. N.E.C.
2. Gift deed (Regd) 3. Approved Building Plan with
3. Mutation
4. Fard Jamanbandi
approval letter

B. Evacuee Property (Urban Area) 1. N.E.C.

1. PTD/PTO 2. Approved Building Plan with approval letter
2. Confirmation of PTD (Permanent Transfer deed) 3. Permission to Assign

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

1. Possession slip
1. Sale Agreement (Regd)
2. N.E.C.
2. Allotment order
3. Permission to Assign
3. Transfer letter (in case of transfer of plot)
4. Approved Building Plan with approval letter

D. Cantonment Board (Urban Area) 1. Permission to assign

1. Lease deed 2. N.E.C.
2. MEO letter 3. Approved Building Plan with approval letter
3. Copy of G.L.R.

E. Rural Area: 1. N.E.C.

1. Sale Deed 2. Approved Building Plan with Approval letter
2. Mutation or Oral Mutation from District Council/Union Council
3. Jamanbandi concerned
4. L-20 (Assurance certificate)/Demarcation Certificate
 Lahore/Gujranwala Division
Title Documents Other documents required for investment
A) Free Hold Properties: 1. Akse-Shujra
1. Registered Sale Deed 2. N.E.C.
2. Certified copy of Mutation 3. Building plan with approval
3. Jamabandi
letter
4. L-20 (In case of rural area)

B) Government Schemes: 1. Permission to assign

1. Registered Sale Agreement/Sale Deed 2. Possession order
2. Transfer letter/Allotment letter 3. Site Plan
4. N.E.C.
5. Building Plan with approval letter

C) Lease Hold & Contentment Schemes: 1. Permission to assign

1. Registered Lease deed/Sub-Lease 2. N.E.C.
2. General Land Register (Certificate) 3. Site Plan
4. Building Plan with approval letter
 Islamabad (Capital Area)Other cities of
Islamabad Zone
Title Documents Other documents required for investment
Allotment Letter/Transfer order Permission to Assign
1. Site Plan/ Layout Plan
After completion of house a Conveyance Deed 2. Demarcation Certificate
is executed between CDA and Allottee 3. Up to date NEC
4. Approved Building plan along
with approval letter
a) Free hold properties (Urban
1. Registered Sale deed/Gift Deed 1. Certificate of soundness/value
2. Last Jamabandi, or city survey record of building for house purchase
3. Mutation or sakni certificate from 2. Possession order/slip
Tehsildar if plot is Shamile Abadi Area

b) Free hold property (Rural) 1. Akse Shajra duly demarcated

The following documents are required in
2. Up to date NEC
addition to above documents:
3. Approved Building Plan
1. L-20 from Tehsildar
4. Co-sharer Affidavit (in case of
co-sharer)
 Islamabad (Capital Area)Other cities of Islamabad Zone
(…….. Contd…..)
c) Lease hold property of Cantonment Area
1. Lease deed/Sub Lease duly registered
2. GLR (General Land Register)

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. Upto date NEC

2. Site Plan
3. 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 Other documents required for

investment
A. Lease Hold Properties: 1. Permission to Assign
1. Sale Deed 2. Approved Building Plan
2. Lease Deed
3. Gift Deed
with approval letter
4. Permanent Transfer Deed in 3. Approved Site Plan
case of Evacuee Property (PTD)
5. Mutation Certificate

B. Free Hold Properties:

1. Last Jamabandi or City Survey 1. Certificate of Assurance by
Extract Collector
2. Sale Deed (in case of purchase) 2. N.E.C.
3. Mutation 3. Aks-e-Shajra
4. Building Plan
 Abbottabad/Hazara Division/ Northern Areas

Title Documents Other documents required for investment

A. Lease Hold Properties: 1. Site plan of the plot

1. Lease deed or agreement for sale/Sale 2. Permission to Assign
deed 3. N.E.C.
4. Approved Building Plan with
approval letter

1. Aks-e-Shajra
B. Free Hold Property:
2. Site plan
1. Mutation
3. Assurance Certificate (L-20 in case
2. Last Jamabandi
of Rural Area)
3. Sale deed (in case property is purchased
4. N.E.C.
by applicant)
5. Approved Building Plan with
approval letter.
C. Un-Settled Area of Northern Areas:
1. Un-settled area form (designed by 1. N.E.C.
HBFC Management) 2. Approved Building Plan with
2. L-20 approval letter
Thank You All

Q/A

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