Education loan mortgage (on certified copy)

Greetings of the day.

As per the information provided by you, I wish to inform you that you can submit the certified copy of the property papers, and the affidavit, which you have gotten made as the property was in the name of your father and he is no more. While the first preference of the banks is generally original copies, they may accept certified copies if there is a compelling reason to use the certified copy, one of them being the irrecoverable loss of the papers.

But if the bank authorities are reluctant to accept the documents, you can use either of the following documents:

1. Property title deed and the registered sale agreement.
2. Original registration receipt for the above agreement.
3. If any Allotment Letter issued By Municipal Corporation / Authorized Govt. Authority Like MHADA (Maharastra), CIDCO (Maharastra), HUDA (Haryana), DDA (Delhi), JDA (Jaipur), GIDC (Gujarat) etc. then that is required.
4. Chain deed or link document or clearance document or even Encumbrance certificate (EC). It is required for a period of 30 years. This document actually shows the track record of who sold the property to whom in last 30 yrs.
5. Latest property tax copy or Latest electricity bill.
6. Copy of municipality approved building plan or plot layout is also required.
7. If it is a flat then completion certificate and occupancy certificate is required for constructed properties.

Hope it helps. All the best for your studies.