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RaghavKend (CA)     07 February 2011

Certified copies of Property Documents

Hello, The seller had completely laminated all his property documents pertaining to a land that he was selling. Since the buyer insisted on the seller to procure certified copies of the original, what are the problems the buyer/seller will likely to face? What about loans from Nationalised and Private banks? Will they give housing loans for sites which have certified copies of the original? A detailed answer will be well appreciated.


 2 Replies

ahmed (document writer)     09 February 2011

dear solomon if the seller laminated the original title deeds, there is no problem if the seller not producing the original title deeds then the seller have to verify the encumbrance certificate from the concerned sub registrar and have to insist  for the certificed copies of the title deeds and execute one declaration on N-J Stamp from the seller about the original title deeds and all the banks accept the certified copies.   

niraj (legal practitioner)     17 April 2011

for taking loans from nationlised banks not only present original title deeds but previous title deeds also reqired as chain deed to clear the chain of title of the property.practicaly no bank grants loan on the basis of certified copies.

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