कागज़नामा

Second Charge Creation Letter

एक नज़र में

कीमत: मुफ़्त
स्टाम्प ड्यूटी: Stamp per its actual legal effect (Punjab/Chandigarh) — no mortgage duty is satisfied unless it itself creates security.
रजिस्ट्री: Doesn't replace the mortgage instrument itself; register under ss.17/59 if needed, plus CERSAI filing.
गवाह: None here; the mortgage deed carries its own witness rules.

मुफ़्त

दस्तावेज़ मुफ़्त हैं। केवल किट के पैसे लगते हैं।

मुफ़्त: एक दिन में 5 दस्तावेज़ तक।

आसान सवाल, पूरा ड्राफ़्ट स्क्रीन पर, Word में डाउनलोड करें।

सभी कीमतें देखें

इन नामों से भी

second mortgage creation letter
subordinate charge request

कब ज़रूरत पड़ती है

For when a property carries a first mortgage and a second-ranking security is being created — not unencumbered, since existing security documents may bar further charges and the first lender's NOC is usually essential first. States the first lender, existing charge, outstanding, consent reference and ranking — this letter alone doesn't create a valid mortgage (s.59 needs a registered deed; a deposit needs s.58(f)), and CERSAI filing must follow.

क्या यह यहीं भरा जा सकता है

यह यहीं भरा जा सकता है

यह दस्तावेज़ आप इसी साइट पर भर सकते हैं, और कुछ भी तय करने से पहले पूरा मसौदा स्क्रीन पर पढ़ सकते हैं। यह ध्यान से तैयार किया गया प्रारूप है; आपके अपने हालात पर दी गई सलाह नहीं।

इसे भरना शुरू कीजिए

स्टाम्प ड्यूटी, रजिस्ट्री और गवाह देखें

नीचे जो लिखा है वह पंजाब और चंडीगढ़ के लिए है। इसमें वहीं की स्थिति दी गई है, यह नहीं कि यह कहाँ-कहाँ कैसे बदलती है — यानी नीचे की रकमें वही हैं जो लागू होती हैं। दरें बदलती रहती हैं, इसलिए सब-रजिस्ट्रार दफ़्तर से पक्का कर लेना ठीक रहता है। अगर प्रॉपर्टी भारत में कहीं और है, तो इनमें से कुछ भी आपके लिए नहीं है।

स्टाम्प ड्यूटी

Stamp per its actual legal effect (Punjab/Chandigarh) — no mortgage duty is satisfied unless it itself creates security. Buy the stamp by signing (s.17); if unclear which article applies, adjudicate (s.31). Unstamped instruments are inadmissible until duty+penalty are paid (s.35).

रजिस्ट्री

Doesn't replace the mortgage instrument itself; register under ss.17/59 if needed, plus CERSAI filing.

नोटरी

Not required for this letter itself.

गवाह

None here; the mortgage deed carries its own witness rules.

स्टाम्प पेपर का अनुरोध करें

Sample preview — placeholder answers, not your data

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SECOND CHARGE CREATION LETTER

Date: 1 April 2026

Borrower/security provider: Aarav Sharma, Sector 21, Panchkula. Proposed second-charge lender: ABC Bank Ltd, Sector 17, Chandigarh. Loan: HL-2026-118.

PROPERTY

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., Punjab. Second facility amount: ₹90,00,000 (Rupees Ninety Lakh only).

EXISTING FIRST CHARGE

First lender: First Bank Ltd. Reference: Mortgage 118/2024; CERSAI 22AA118. Outstanding: ₹50,00,000 (Rupees Fifty Lakh only).

CONSENT AND RANKING

Basis: First lender NOC/consent obtained. Consent/NOC: NOC dated 10 September 2026 Ranking: Second and subordinate to the identified first charge.

SECOND SECURITY

Obligations: Loan against property facility HL-2026-118 and agreed interest/charges.. Filing/security process: Underlying second-charge mortgage/security instrument will be registered/filed as required.

No second charge is represented as effective before the consent/ranking conditions and legally required mortgage/security formalities are completed.

SIGNATURE

______________________________
Signature
Borrower/security provider: Aarav Sharma
Place: ____________________
Date: 1 April 2026

LEGAL BASIS

In Punjab the holder of a site allotted by a development authority cannot transfer any right in it, a mortgage included, without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), and the authority gives that permission only to the allottee on its file. In Chandigarh a leasehold site needs the Estate Officer's permission to mortgage, a notified service under the Right to Service notification of 30 March 2026, and the Estate Office's checklist asks for an affidavit with it, which carries its own stamp duty. A mortgage by deposit of title deeds does not show in a Punjab Non-Encumbrance Certificate, which is why lenders also record the security in 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 document the consent, ranking and implementation of the proposed second property charge, communicate about that purpose, verify expressly supplied lending, identity and property information, and retain an evidentiary transaction record.

The record will be held by Kagaznama and may be shared only with the borrower, co-borrower, guarantor, lender, authorised professional, registering or revenue authority, Central Registry/CERSAI-related service, insurer or other person directly involved in the stated credit or security transaction.

इस दस्तावेज़ के साथ अक्सर ये भी चाहिए

होम लोन, बंधक और प्रॉपर्टी पर कर्ज़ पर वापस