Home |Sale Deed | I have lost the original sale deed. Can I obtain a home loan from a bank by submitting Xerox copy of sale deed?

I have lost the original sale deed. Can I obtain a home loan from a bank by submitting Xerox copy of sale deed?

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PGN Property, Real Estate & Documentation Consultant with 21+ years of experience verified
Answered on December 14,2020

No,

Cannot obtain a home loan by submitting a photocopy of sale deed and photocopy of other supporting documents like an encumbrance certificate, Khata certificate, and tax paid receipt.

All should be original.

However, if you lost or missed placed the original sale deed. Can obtain a certified copy of sale deed from sub-register office. Apply for a certified copy of sale deed at respective sub-register office where the property was registered.

In Karnataka, apply for a certified copy of sale deed at sub-register office or through Kaveri Online service, To obtain through Kaveri Online service, a property must be registered after 2004 and should know the registration number of property or the following details

  • District where the property located
  • Sub-Register office where the was registered
  • Document Number or Allotment Number
  • Book Type
  • Year of Registration

(Like Karnataka, many other states in India gone online to issue a certified copy of sale deed)

To answer your question in short, you can obtain a loan if you submit a certified copy of sale deed signed by revenue officer. Just the photocopy alone doesn’t suffice for home loan documentation.

In Karnataka, we provide the service of obtaining a certified copy of sale deed. To opt for our service, please Whatsapp to 9 7 4 2 4 7 9 0 2 0.

Thank you for reading…

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