A Release Of Mortgage Document is a crucial legal instrument used in Pakistani property transactions when a borrower has fully satisfied their mortgage obligations. This document is essential for clearing property titles and enabling future transactions. It must be executed in accordance with the Transfer of Property Act 1882 and properly registered under the Registration Act 1908. The document becomes necessary when the mortgagor has made full payment of the mortgage amount, including principal, interest, and any other charges as specified in the original mortgage deed. The Release of Mortgage Document should contain specific references to the original mortgage, property details, and clear statements of discharge, making it a vital document for property records and future property dealings in Pakistan.
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1. Date and Place: The date of execution and place where the document is being executed
2. Parties Identification: Full details of the Mortgagor (borrower) and Mortgagee (lender), including name, address, and legal status
3. Original Mortgage Reference: Details of the original mortgage deed including date, registration number, and property description
4. Recital of Payment: Confirmation that the mortgage amount has been fully paid and satisfied
5. Release Statement: Clear statement releasing the property from the mortgage and relinquishing all claims
6. Property Description: Detailed description of the mortgaged property being released
7. Execution Block: Space for signatures, witnesses, and attestation as required by Pakistani law
1. Islamic Finance Compliance: Additional declarations required for Islamic mortgages (if the original mortgage was Shariah-compliant)
2. Multiple Properties Schedule: Required when the release covers multiple properties under the same mortgage
3. Partial Release Clause: Used when only a portion of the mortgaged property is being released
4. Power of Attorney Reference: Required if any party is acting through an attorney
5. Bank Authorization: Required when the mortgagee is a banking institution, including specific authorized signatory details
1. Property Schedule: Detailed description of the property/properties including registration details, boundaries, and measurements
2. Original Mortgage Details: Copy or extract of relevant details from the original mortgage deed
3. Payment Confirmation: Bank statements or receipts confirming full payment of the mortgage amount
4. Authority Documents: Copies of board resolutions, power of attorney, or other authorization documents if applicable
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