How to Get a Succession Certificate for Mortgage Properties from NADRA

When a person passes away, their legal heirs need to obtain a Succession Certificate to claim ownership of any mortgaged properties left behind. In Pakistan, NADRA (National Database and Registration Authority) has simplified the process of obtaining this important document. If you are looking to get a Succession Certificate for mortgage properties, follow the detailed guide below.

What is a Succession Certificate?

A Succession Certificate is a legal document that establishes the rightful heirs of a deceased person’s property, including mortgaged assets. This certificate is required to transfer ownership, claim financial assets, and deal with legal matters related to the deceased’s estate.

Required Documents for a Succession Certificate of Mortgaged Properties

To initiate the process, the applicant must provide the following essential documents:

1. Applicant’s CNIC (Computerized National Identity Card)
2. CNICs of Legal Heirs
3. Family Registration Certificate (FRC)
4. Death Certificate of the Deceased
5. Cancellation Certificate of Deceased’s CNIC
6. Letter of Authorization (With all legal heir sign and thumb)
7. Mortgage Letter from the Concerned Bank or Relevant Department
8. Copies of Documents with Mortgage Stamp

Step-by-Step Procedure to Obtain a Succession Certificate from NADRA

Step 1: Visit the NADRA Succession Facilitation Unit

The first step is to visit the nearest NADRA Succession Facilitation Unit with all the required documents. These units are set up in various cities to assist applicants in obtaining their Succession Certificate efficiently.

Step 2: Submission of Application

At the NADRA center, the applicant must:

• Read the Preview Succession Certificate form .
• Submit Copies of the required documents.
• Provide biometric verification of all legal heirs .

Step 3: Biometric Verification of all legal heirs

After Submitting the Succession Application, 20 Days Time will be given to complete all the legal heir biometric verification.

• Legal Heir Whom Live outside the country can verify through PAKID Application.
• Legal heir Living in different cities can do biometric verification through nearest NADRA offices.
• Senior Citizen whom biometric can not be captured must visit DSFU For Facial Recognition.

Step 4: Public Notice Issuance

Once the application is submitted, NADRA issues a public notice in newspapers to invite objections (if any). This process ensures that there are no disputes regarding the legal heirs of the deceased.

Step 5: Objection Handling (If Any)

If someone raises an objection, NADRA will conduct further investigation to resolve the matter. If no objections are received within 14 days, the process moves forward.

Step 6: Issuance of the Succession Certificate

After completing all legal formalities, NADRA issues the Succession Certificate, which legally entitles the heirs to claim the mortgaged property.

Additional Considerations for Mortgaged Properties

• If the property is mortgaged, the heirs need to settle any outstanding loan or debt before transferring ownership.
• The mortgage letter from the concerned bank should mention the current status of the mortgage.
• The bank or financial institution may require additional documentation for releasing the property lien.

Timeframe for Obtaining the Certificate

The entire process usually takes between 20 Days, depending on document verification, objections (if any), and the workload at NADRA centers.

Fees and Charges

The fee for obtaining a Succession Certificate varies based on the property value if the asset is more than 100,000/- the fee for succession is 22000/-rupees and if the asset is less than 100,000/- the fee for succession is 10000/-rupees.

Frequently Asked Questions (FAQs)

1. Can I apply online for a Succession Certificate?

Currently, NADRA does not offer an online application process for Succession Certificates. The applicant must visit the NADRA Succession Facilitation Unit in person.

2. What happens if an heir is living abroad?

If a legal heir is not in Pakistan, they can do Biometric verification through PAKID Application and complete the process.

3. What if there is a dispute among heirs?

If there is a legal dispute, the matter may need to be settled in court and NADRA will issue the Decline Certificate.

5. Can a Succession Certificate be used for bank accounts and other assets?

Yes, the Succession Certificate is also used to claim bank accounts, shares, bonds, and other financial assets of the deceased.

Final Thoughts

Getting a Succession Certificate for mortgaged properties is a straightforward process if you have the required documents and follow NADRA’s guidelines. It is essential to complete all legal formalities to ensure a smooth transfer of ownership.