PROPERTY DOCUMENTS SUBMISSION LETTER
Submission date: 1 April 2026
To ABC Bank Ltd, Sector 17, Chandigarh.
Borrower/applicant: Aarav Sharma, Sector 21, Panchkula. Phone: 98765 43210; email: aarav@example.com. Application reference: HL-2026-118
Property: Apartment 804, ABC Heights, Airport Road, SAS Nagar, Punjab (Apartment/flat), Tower B, Apartment 804, ABC Heights.. Transaction stage: Property identified; agreement not yet signed. Property value: ₹1,20,00,000 (Rupees One Crore Twenty Lakh only).
SUBMISSION STAGE
Stage: Initial legal/technical appraisal.
DOCUMENT INVENTORY
Documents submitted: Agreement for sale dated 01 August 2026 - copy; allotment letter - copy; sanctioned plan - copy..
Originals status: No originals; copies only.
ACKNOWLEDGMENT
Requested control: Stamped inventory acknowledgment requested. Pending documents: Latest property tax receipt awaited from seller.
Verification position: Lender may verify enclosed property records through lawful sources.
Please acknowledge the documents actually received and identify any further legal or technical property papers required.
LEGAL BASIS
In Punjab the holder of a site allotted by a development authority cannot transfer any right in it without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), so a mortgage of such a site needs the authority's permission to mortgage, which it gives only to the allottee on its file. A mortgage by deposit of title deeds needs no registered deed, and a Punjab Non-Encumbrance Certificate cannot show it, which is why lenders also search the Central Registry of Securitisation Asset Reconstruction and Security Interest of India.
PERSONAL DATA NOTICE
This notice is given under the Digital Personal Data Protection Act, 2023.
Personal data in this document is collected only to submit and track property documents for the stated loan appraisal and security process, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.
The record will be held by Kagaznama and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.
If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.