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

2. 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

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

4. 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
Mutation/Transfer
NEC
Building Plan duly approved alongwith covering letter
Title Documents

5. 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

6. 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

7. 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

8. 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

9. 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

10. 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

11. 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

12. 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
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

13. 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
Upto date NEC
Site Plan
Original Approved Building plan with approval letter
Title Documents

14. 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)
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

15. 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

16. 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

17. 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

18. 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
Building Plan with Building Permit
N.E.C.
Akse Shajra
Sakni Certificate
Building Plan with Building Permit
Akse-Shajra
Title Documents

19. 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)
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

20. 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

21. 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

22. http://www.hbfc.com.pk hpz@hbfc.com.pk
Thank you
Title Documents