The mortgage procedure is the procedure where the Department of Lands provide service delivery to the owners of land or building in registering the land or building as a guarantee in order to borrow money or guarantee of debt to a mortgagee which is a lender or financial institution. The validity by law of registration and contract must be made in front of a competent officer.
1. The previous procedure of registration of right and juristic act, for the type of mortgage in Land Office, before the changing there are 8 processes, 4 service counters and 4 hours of implementation as follows;
First counter
1. Landowners lodge the application form, the
public relations officers verify the
documents, record in the inventory and
distribute queuing card.
Second counter
2. The investigation officers receive the
application form, investigate, verify
dealing file and land right document,
record in the inventory and prepare the
fees, taxes, and stamp duties.
3. The competent officer verify any caveat
Third counter
4. The cashiers collect the fees, taxes, and
stamp duties and deliver receipt to the
applicant
5. The officers prepare the contract and
update the registration index
6. The investigation officers call the two
parties to sign their names in the
contract and relevant documents
Fourth counter
7. The competent Land Office signs his/her
name for registration and seal
8. The investigation officers deliver the
land right document and contract to the
land owner
2. The developed procedure of registration of right and juristic act, for the type of mortgage in Land Office, there are 5 processes, 4 service counters and 3 hours of implementation as follows;
First counter
1. Landowners lodge the application form, the
public relations officers verify the
documents, record in the inventory and
distribute queuing card.
Second counter
2. The investigation officers receive the
application form, investigate, verify
dealing file, land right document, caveat
and prepare the fees, taxes, and stamp
duties.
Third counter
3. The cashiers collect the fees, taxes, and
stamp duties and deliver receipt to the
applicant
4. The officers prepare the contract and
update the registration index
Fourth counter
5. The competent Officer calls the two
parties to sign their names in the
contract then sign his/her name for
registration, seal and deliver the land
right document and contract to the land
owner
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