Property Related Service


We offer the following post approval services required by lending institutions as a mandatory pre- requisite before finance disbursement. Details mentioned below:



List of property documents for flat / constructed house / plot & construction in Karachi.

  • Indenture of Sub lease / Lease Deed / Sale deed / Conveyance Deed/A , B, C lease
  • Allotment order / Transfer Order.
  • Permission to Mortgage from CGDK / KDA / Society etc.
  • Mutation in favor of property owner.
  • Site Plan.
  • Approved Building Plan & Completion Certificate.
  • Latest Property tax paid challan.
  • Search Certificate from inception of lease.
  • Valuation report by PBA Approved valuators.


    • List of property documents for flat / constructed house / plot & construction in Sindh & Balochistan.

  • Indenture of Sub lease / Lease Deed / Sale deed / Conveyance Deed.
  • Allotment order / Transfer order.
  • Permission to Mortgage from Mukhtiarkar in favor of Bank.
  • Extract from Record of Right - in favor of present owner.
  • Lien marking in Revenue record in favor of Bank.
  • Site Plan.
  • Approved Building Plan & Completion Certificate.
  • Non-Encumbrance Certificate.
  • Property tax paid Challan Latest.
  • Valuation report by PBA Approved valuators.


    • Mortgage creation requirement are as follow:

  • Memorandum of Deposit of Title Deed duly executed by the consumer/ borrower.
  • Agreement to Create Mortgage..
  • Undertaking for submission of original property documents and subsequently completion of mortgage formalities.
  • Mortgage deed duly registered with the Registrar of Property
  • Genuineness of Permission to Mortgage
  • Draft Approval of Mortgage Documents .


    • Note: : The documents listed above with respect to various types of properties are the general requirements for respective properties. Other documents may be required in certain cases as per Legal Counsel opinion, based on the individual circumstances of the case. The idea underlying the varying requirements remain the same: to confirm the title/ownership of the intended mortgagor.


    Properties having Registered Sale Deeds

    Major chunk of properties in Lahore comprises of those where proper sale deeds of “absolute ownership rights” are executed, and registered, after the payment of dues. In such properties, the following documents are required for legal opinion:

  • Copy of the Sale Deed.
  • Copy of Sale Deed of the previous owner.
  • Non-Encumbrance Certificate.
  • Form PT-1 / Clearance Certificate (if applicable)
  • Sanctioned Building Plan.
  • Completion Certificate (if available).


    • Properties with Khasra Numbers having Registered Sale Deeds

    The documents required for legal opinion with respect to such properties are as follows:

  • Copy of the Sale Deed.
  • Ownership Mutation.
  • Copy of Sale Deed of the previous owner.
  • Non-Encumbrance Certificate.
  • Form PT-1 / Clearance Certificate (if applicable).
  • Fard/Abstract from Register Haqdaran, countersigned by the Tehsildar.
  • Aks Shajra.
  • Sanctioned Building Plan (if applicable).
  • Completion Certificate (if applicable).


    • Properties having Allotment Letter from Lahore Development Authority (LDA)

    The following documents are generally required in such cases:

  • Allotment letter/ Exemption Letter (in case of exemptee plots) of first Allottee/Exemptee.
  • Subsequent Transfer Letters establishing the chain of ownership of the present owner
  • Possession Letter.
  • PT-1 (if applicable).
  • Completion Certificate.
  • Permission to Mortgage (in case completion certificate has not been issued).
  • Approved Site Plan (in case of constructed units).
  • Transfer/Exchange Deed (if required by the Allotment Letter).


    • Properties having Allotment Letter of Defence Housing Authority (DHA)

    DHA properties are the most widely accepted security in Lahore. The documents generally required for legal opinion over such properties are:

  • Allotment Letter/Transfer Letter..
  • Permission to Mortgage.
  • Demarcation/Site Plan.
  • Completion Certificate in case of constructed units.
  • Transfer deed of the Property (if applicable).


    • Properties having Allotment Letter of Societies

    Generally, the documents required for legal opinion over properties situated in widely known and accepted societies, for instance Model Town Society, Tech Society, EME society, etc. are as follows:

  • First Allotment Letter.
  • Transfer Letter of the previous owner.
  • Chain of Transfer Letters (if available)..
  • Approved Site Plan (in case of constructed units).
  • Letter of Possession.
  • Permission to Mortgage.
  • Transfer Deed (if provided for in the Allotment Letter).
  • Share Certificate of the Society.


    • Properties situated in Builders Constructed Schemes

    The documents required for builder constructed schemes are:

  • Copy of the Sale Deed.
  • Non-Encumbrance Certificate.
  • Form PT-1 (if applicable).
  • Proof of ownership of the land in favor of the Builder.
  • Permission to launch the Scheme from the competent Authority.
  • Approved Site Plan/Map.
  • Memorandum and Articles of Association (in case the builder is a Limited Company)


    • Properties situated in the Cantonment Area

    These properties comprise of land owned by the Army, which has been converted into residential land. The documents required for such properties are:

  • Copy of first Lease Deed/Subsequent Renewal.
  • Copy of the Sale Deed of Allotment Rights (if sold by the First Lessee).
  • Copy of Extract from the General Land Register (GLR).
  • Permission to Mortgage.
  • Assessment/Clearance Certificate.
  • Sanctioned Building Plan by the competent authorities.
  • Approved Site Plan.
  • Completion Certificate.


    • Mortgage Creation Requirements

  • Mortgage deed.
  • Memorandum of deposit of title deed
  • Mortgage mutation.
  • Lien marked Fard / Lien Letter / Mortgage mutation.


    • Note: The documents listed above with respect to various types of properties are the general requirements for respective properties. Other documents may be required in certain cases as per Legal Counsel opinion, based on the individual circumstances of the case. The idea underlying the varying requirements remain the same: to confirm the title/ownership of the intended mortgagor

    Revenue Property

    Before Mortgage

  • Sale Deed.
  • Mutation
  • Fard
  • Non-Encumbrance Certificate
  • Naqsha Tasveri
  • Demarcation Report
  • Approved building plan

    • After Mortgage

  • Mortgage deed.
  • Memorandum of deposit of title deed
  • Mortgage mutation
  • Lien marked Fard

    • Society/Authority Property

    Before Mortgage

  • Allotment Letter/Lease deed.
  • Transfer Letter
  • No objection certificates
  • Non-Encumbrance Certificate
  • Possession certificate
  • Completion certificate
  • Approved building plan

    • After Mortgage

  • Mortgage deed.
  • Memorandum of deposit of title deed
  • Lien Letter

    • Note: The documents listed above with respect to various types of properties are the general requirements for respective properties. Other documents may be required in certain cases as per Legal Counsel opinion, based on the individual circumstances of the case. The idea underlying the varying requirements remain the same: to confirm the title/ownership of the intended mortgagor.