Presentation by Muhammad Akram Tariq General Manager/Zonal Chief Housing Projects Zone H.B.F.C. TITLE DOCUMENTS July 4th, 2007 Title Documents

TITLE DOCUMENTS TYPES OF LAND Free hold land Lease hold land Evacuee land Military (Cantonment) land Government granted land Allotted land Abandoned land TYPES OF RIGHT Lease hold right Ownership Right METHOD OF TRANSFER By Operation of Law By Act of Parties Title Documents

TITLE DOCUMENTS WHO MAINTAINS RECORD OF RIGHTS Development Authorities Tehsildar / Mukhtarkar Housing Societies Military Estate Office Housing & Physical Planning Department (Punjab – NWFP) Title Documents

Other documents required for investment Station Title Documents Other documents required for investment 1. Karachi Division Lease hold properties Lease/Sub-Lease/Sub-Licence Sale Deed (if there is subsequent transaction) Gift Deed (If property is gifted) Exchange Deed (if Property is acquired in exchange). Free hold properties Registered Sale deed Last Jama Bandi OR Certified copy of City Survey extract OR Deh Form (II) Mutation/Transfer Permission to Assign NEC / (Search Certificate) Site Plan Building Plan duly approved alongwith approval letter 1. Mutation/Transfer NEC Building Plan duly approved alongwith covering letter Title Documents

2. Hyderabad/ MirpurKhas Division Free hold properties (Rural Areas): L-20, Ownership Certificate duly issued by the Taluka Mukhtiarkar or Sanad Deh Form-VII Deh Form-II (Mutation) Free Hold Property (Urban Areas): P.T.O./P.T.D/Sale Deed/Gift Deed City Survey Extract/Deh Form-II (Mutation) Statement issued by the Legal Heirs alongwith copy of statement from City Survey in cases of heir-ship N.E.C. for last 12 years Approved Building Plan with approval letter Approved Site Plan Akse-Shajra Title Documents

Hyderabad/ MirpurKhas Division Lease Hold Property: Lease Deed/Sub-Lease Deed/Sale Deed/Gift Deed Deh Form-II (Mutation) Allotment order Cantonment Areas: Lease Deed Extract of the Property (G.L.R) 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 Title Documents

Jacobabad/ Dadu/ Khairpur Urban Area Sale Deed 3. Sukkur/ Larkana/ Jacobabad/ Dadu/ Khairpur Urban Area Sale Deed P.T..D/P.T.O (Old properties) F.T.O. (Old properties) Gift deed Lease Deed/Sub-lease deed City Survey Extract Deh Form-II Deh Form-VII Mutation Rural Area Owner Ship Certificates issued by Union Council Authorities Owner Ship Certificate issued by Mukhtiarkar concerned N.E.C. Permission to Assign Approved Building Plan with approval letter Approved Building Plan Development Certificate issued by Union Council Title Documents

Multan/ Bahawalpur Division A) Free hold properties (Urban) 4. Multan/ Bahawalpur Division A) Free hold properties (Urban) Sale Deed/Gift Deed/Exchange Deed/Court Decree Court certified copy of Mutation Copy of record of Right (Fard Malkiyat) B) Urban area land where no record is available in Revenue Department: P.T.D. Confirmation of P.T.D. PT-I C) Lease Hold Property: Lease Deed/Sub Lease Deed Extract from GLR in Cantt Area 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 Title Documents

Lahore/ Gujranwala Division Free Hold Properties: Registered Sale Deed 5. Lahore/ Gujranwala Division Free Hold Properties: Registered Sale Deed Certified copy of Mutation Jamabandi L-20 (In case of rural area) B) Government Schemes: Registered Sale Agreement/Sale Deed Transfer letter/Allotment letter C) Lease Hold & Contentment Schemes: Registered Lease deed/Sub-Lease General Land Register (Certificate) Akse-Shujra N.E.C. Building plan with approval letter Permission to assign Possession order Site Plan Building Plan with approval letter Title Documents

6. Faisalabad/ Sargodha Division A) Free Hold property (Urban Area) Sale deed, Gift deed (Regd) Mutation Fard Jamanbandi B) Evacuee Property (Urban Area) PTD/PTO Confirmation of PTD (Permanent Transfer deed) C) FDA/Punjab Govt. Housing Scheme (Urban) Sale Agreement (Regd.) Allotment order Transfer letter (in case of transfer of plot) Aks-e-Shijra N.E.C. Approved Building Plan with approval letter Permission to Assign Possession slip Title Documents

Faisalabad/ Sargodha Division D) Cantonment Board (Urban Area) Lease deed MEO letter Copy of G.L.R. E) Rural Area: Sale Deed Mutation or Oral Mutation Jamanbandi L-20 (Assurance certificate)/Demarcation Certificate Permission to assign N.E.C. Approved Building Plan with approval letter Approved Building Plan with Approval letter from District Council/Union Council concerned Title Documents

7. Islamabad (Capital Area) Other cities of Islamabad Zone Allotment Letter/Transfer order * After complition of house a Conveyance Deed is executed between CDA and Allottee Free hold properties (Urban 1. Registered Sale deed/Gift Deed Last Jamabandi, or city survey record Mutation or sakni certificate from Tehsildar if plot is Shamile Abadi Area Permission to Assign Site Plan/ Layout Plan Demarcation Certificate Upto date NEC Approved Building plan alongwith approval letter Certificate of soundness/value of building for house purchase Possession order/slip Akse Shajra duly demarcated Approved Building Plan Title Documents

Islamabad (Capital Area) Other cities of Islamabad Zone Free hold property (Rural) The following documents are required in addition to above documents: 1. L-20 from Tehsildar C) Lease hold property of Cantonment Area Lease deed/Sub Lease duly registered GLR (General Land Register) Evacuee Property: Permanent Transfer Deed PT-1 Subsequent Transfer Co-sharer Affidavit (in case of co-sharer) Permission to Assign Possession order Site Plan of Plot Upto date NEC Approved Building Plan Letter of approval of the building plan 1. Upto date NEC 2. Site Plan 3. Original Approved Building plan with approval letter Title Documents

Islamabad (Capital Area) Other cities of Islamabad Zone E) Government Colonies/Lease Hold Properties: Sale Agreement duly registered Allotment order E) Rural Area property: 1. Oral Mutation (Court Certified Copy 2. Building Plan + Approval Letter 3. Mutation (Court Certified Copy Copies of Record of Right (Fard Malkiyat) for the Last 12 Year 4. L-20 (HBFC/Certificate of Assurance) by tehsildar (Sakni Certificate) 1. Possession Slip Site Plan Permission to Assign N.E.C. (from the date of Sale Agreement) Building Plan + Approval Letter Aks-e-Shajra N.E.C. (for the last 12 Years) Title Documents

A) Lease Hold Properties: Sale Deed Lease Deed Gift Deed 8. Peshawar Division/ NWFP A) Lease Hold Properties: Sale Deed Lease Deed Gift Deed Permanent Transfer Deed in case of Evacuee Property (PTD) Mutation Certificate B) Free Hold Properties: Last Jamabandi or City Survey Extract Sale Deed (in case of purchase) Mutation 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 Title Documents

C) Un-Settled Area of Northern Areas: 9. Abbottabad/ Hazara Division/ Northern Areas A) Lease Hold Properties: Lease deed or agreement for sale/Sale deed B) Free Hold Property: Mutation Last Jamabandi Sale deed (in case property is purchased by applicant) C) Un-Settled Area of Northern Areas: Un-settled area form (designed by HBFC Management) L-20 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) Approved Building Plan with approval letter. Title Documents

10. Azad Jammu and Kashmir A) Land of Development Authorities: Allotment Order/Transfer Order duly registered with the Sub-Registrar B) Land of Municipal Corporations: Allotment order/Transfer order duly registered through state officer C) Evacuee Land: Allotment Order / Transfer Order. D) Govt. Land: Allotment Order issued by Settlement Commissioner (This land is allotted to refugees only ) E) Free Hold Land: Fard of ownership / Sale Deed / Transfer Deed Site plan of the plot Permission to Assign N.E.C. Approved Building Plan with approval letter -do- Aks-e-Shajra Title Documents

11. Quetta/ Bolochistan A) Lease hold properties Lease Deed Sale Deed (in case of subsequent transaction) Mutation B) Free Hold Property (Rural & Urban Area) Sale Deed (Registered) Mutation in Favour of Applicant Fard Jamabandi Record for last 15 years C) Free Hold Property (with no sale deed): Mutation in Favour of applicant Jamabandi Record L-20 (Certificate of Assurance) 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 1. Building Plan with Building Permit N.E.C. Akse Shajra Sakni Certificate Building Plan with Building Permit Akse-Shajra Title Documents

Quetta/ Bolochistan Title Documents D) Lease Hold cases of Cantonment Area Lease Deed (Registered) Sale deed (In case of a subsequent Transaction) E) Lease Hold cases where land leased by Municipal/Town Committee, Local Govt., Prov.Govt. Lease deed (Patta) Registered F) Quetta Development Authority Cases (where still the cost of land has not yet been paid fully) 1. Sale/Purchase Agreement G) Quetta Development Authority Cases (where the cost of Land has completely been paid Final Transfer Deed (Registered). Site Plan Non Encumbrance Certificate Permission to Assign (L-19) Building Plan with Building Permit N.E.C. Permission to Assign/Mortgage (L-19) Title Documents

12. Gwadar GOVERNMENT SCHEME A) Singhar Housing Scheme Allotment Order/Transfer Order issued by Project Director Possession Order Acknowledgement of possession Non Encumbrance Certificate (NEC) Permission to Assign / Mortgage Approved Building Plan with approval letter B) New Town Housing Scheme 1) C) Private Schemes Title Documents

PRESENT RATES OF STAMP DUTIES/REGISTRATION FEE Province PREVAILING RATES OF STAMP DUTY ON Rate of Registration Fee Lease Deed Sale Deed Baluchistan 5% of the value of Land/House 1% of the value of Leased/House and on the sanction limit of loan/investment NWFP 3% of the value 0.5% of the amount of loan/investment Punjab 2% of the value of Land/House Sindh FLATS 3% of the value of Land/House as per Collector Rates   No fee upto Rs.5 Lacs. 5% on 1/20th value of 5 to 10 Lacs 5% on 1/10th valueof Rs.10 Lacs to 20 Lacs. PLOTS 1% of declared sale value. 2% On occupancy value Title Documents

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