Simple Mortgage Deed
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A simple mortgage deed is a legal document that acts as collateral for a loan, allowing the borrower to keep posses ...
Streamlined Application Process: Quick and hassle-free online application with minimal documentation.
Expert Legal Guidance: Professional legal advice and support at every step.
Transparent Terms: No hidden charges, clear and straightforward terms.
Secure Transactions: Ensuring the highest standards of security and confidentiality for your financial and personal information.
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How to get a Simple Mortgage Deed at ezyLegal
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Schedule Call with the Lawyer
Customer discusses requirements and specifications of the SM deed transaction
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Drafting Simple Mortgage Deed
Lawyer will draft SM Deed in accordance with transaction terms
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Application Filing
We handle the filing of your mortgage application with the respective government department, ensuring all paperwork is accurate and complete.
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Registration appointment
Registration appointment is taken after the statutory Govt. fees are paid.
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Simple Mortgage Deed Registration
Simple Mortgage Deed is registered at the Sub-Registrar’s office
Schedule Call with the Lawyer
Customer discusses requirements and specifications of the SM deed transaction
Drafting Simple Mortgage Deed
Lawyer will draft SM Deed in accordance with transaction terms
Application Filing
We handle the filing of your mortgage application with the respective government department, ensuring all paperwork is accurate and complete.
Registration appointment
Registration appointment is taken after the statutory Govt. fees are paid.
Simple Mortgage Deed Registration
Simple Mortgage Deed is registered at the Sub-Registrar’s office
Contents of Simple Mortgage Deed
Names and addresses
The names and addresses of both the borrower and the lender
Property details
A detailed description of the property, including its location, value, and specifications
Loan amount and interest rate
The amount of the loan and the interest rate that applies
Repayment terms
The repayment schedule, including the number of instalments, frequency, and due dates
Mortgage conditions
The terms and conditions under which the lender can take possession of the property if the borrower defaults
Redemption clause
The mortgage term within which the borrower must repay the loan and regain ownership of the property, as well as the method of redemption after repayment is successful
Benefits of Simple Mortgage
Legal Security
Provides legal security for the lender's interest in the property.
Clear Terms
Outlines clear terms and conditions for repayment and interest.
Ownership Retention
Allows the borrower to retain ownership and possession of the property.
Ease of Transfer
Facilitates easy transfer of property rights if the borrower defaults.
Reduced Disputes
Minimizes potential disputes through clear documentation.
Creditor Protection
Protects the creditor’s interest in the property until the loan is repaid.
Loan Accessibility
Enables easier access to loans by securing them against property.
Legal Recognition
Ensures the mortgage is legally recognized and enforceable.
Flexibility
Offers flexibility in terms of loan amount and repayment schedule.
Public Record
The mortgage is recorded in public records, providing transparency.
Documents Required of the Simple Mortgage Deed
Identification Of The Parties
Ration Card / Voter Card / Driving License / Aadhar Card / Pan Card of both the parties
Registration Of Document Through POA
GPA (If applicable)
Witnesses
Two Witnesses Of The Parties Along With ID Proof.
Property Documents
Title deed, tax receipts, and any other relevant documents.
Additional Documents (if applicable)
Business Proof (for self-employed individuals), Partnership Deed (for partnership firms), Memorandum of Association and Articles of Association (for companies), Audited Financial Statements (for businesses)
Registration Process
1
Schedule Call with the Lawyer Customer discusses requirements and specifications of the Simple Mortgage deed transaction.
2
The copies of title documents of the property are uploaded by the client in the portal.
3
Lawyer drafts the Simple Mortgage deed and sends the mail to client/ Agent. On client / agent confirmation of draft & sending ID proof documents etc , proceeds to the next step.
4
Payment of stamp duty and registration fee as applicable and generate the receipt.
5
To Schedule an appointment for registration.
6
Present Simple Mortgage deed for registration and produce all original documents for verification ( if applicable) and as stipulated by the Lawyer.
7
Simple Mortgage deed is registered in SRO & collected by the Lawyer/ Client/ Agent.
Deliverables
Dedicated Agent
An agent will be assigned to you, who will guide you throughout the process.
Draft of Simple Mortgage Deed
Customized Simple Mortgage Deed draft within 3-5 business days
Registererd Simple Mortgage Deed
Registered Simple Mortgage Deed (original) will be collected delivered within 5-8 business days or as per the process prevailing in each State
Frequently asked Questions
What is a Simple Mortgage?
A Simple Mortgage is an easy, hassle-free way to secure a loan against your property. It is ideal for financing new ventures, consolidating debt, or managing unexpected expenses.
How do I apply for a Simple Mortgage?
To apply for a Simple Mortgage, you need to upload your required documents through our secure online portal, schedule a call with a dedicated legal agent, and allow our team to handle the filing of your mortgage application with the respective government department.
What documents are required for a Simple Mortgage?
The required documents for a Simple Mortgage include identity proof (Passport, Aadhar card, Voter ID, or Driving License), address proof (Utility bills, Aadhar card, or Passport), income proof (Salary slips, bank statements, or income tax returns), and property documents (Title deed, tax receipts).
What are the benefits of a Simple Mortgage?
The benefits of a Simple Mortgage include access to funds for any purpose, lower interest rates compared to unsecured loans, longer repayment tenure, retention of property ownership, and potential credit score improvement through timely repayments.
What are the eligibility criteria for a Simple Mortgage?
The eligibility criteria for a Simple Mortgage include being 21 years or older, being a salaried individual, self-employed professional, or business owner, owning residential or commercial property, and having a good credit history.
How long does it take to get approval for a Simple Mortgage?
The approval process for a Simple Mortgage typically takes a few days, subject to document verification and eligibility.
Can I use the loan amount from a Simple Mortgage for any purpose?
Yes, you can use the loan amount from a Simple Mortgage for various purposes, including business expansion, debt consolidation, personal needs, or investments.
What are the interest rates for a Simple Mortgage?
Simple Mortgages typically offer lower interest rates compared to unsecured loans, making repayments more manageable and affordable.
How does a Simple Mortgage affect my property ownership?
With a Simple Mortgage, you retain ownership and usage of your property while it serves as collateral for the loan.
How can a Simple Mortgage improve my credit score?
Timely repayments of a Simple Mortgage can improve your credit score, as it demonstrates responsible financial behaviour and effective debt management.
Why Choose Us
Reliable & Trusted
Over 3,000 five star reviews from our customers
Fast & Easy
Get legal contracts drafted from expert corporate lawyers. Agreement drafts are delivered within a maximum of 2 days
Secure & Confidential
Documents and information are always kept private. Information shared with the lawyer are 100% confidential.
Reviews
4.8
Vikram Singh
Dealing with property documentation from the UAE can be challenging, but ezyLegal’s Simple Mortgage Deed service made it simple. The team's expertise and prompt responses made the process hassle-free. I was impressed with their attention to detail and the overall efficiency of their service. Strongly recommended for NRIs dealing with Indian property.Neeta Sharma
ezyLegal made the process of handling my Simple Mortgage Deed from Australia incredibly smooth. The documentation was handled with utmost precision, and their customer service was top-notch. I appreciated the regular updates and the ease of communication. A trustworthy service for property matters!Anil Mehta
I recently used ezyLegal for a Simple Mortgage Deed, and the service was excellent. Being based in the UK, I needed a reliable partner to handle my property documentation back home. ezyLegal delivered with professionalism and efficiency, ensuring everything was completed accurately and on time.Aarti Patel
ezyLegal's Simple Mortgage Deed service exceeded my expectations. From Canada, I was concerned about the complexities of Indian property laws, but their team provided clear guidance and swift processing. The entire experience was seamless, and I felt well-supported throughout. Great job!Rajesh Kumar
I was impressed with ezyLegal's Simple Mortgage Deed service. As a resident of the United States, I needed a reliable and efficient way to handle my property documentation in India. Their process was straightforward, and the support team was exceptionally helpful. Highly recommended for anyone dealing with property transactions from abroad.
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