Submission of Original Paper Submission to Builder af

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Since you have fully repaid your home loan, you are entitled to seek release of the mortgage/lien. However, I would advise you not to hand over the original Permission to Mortgage Letter without proper written acknowledgment. First, obtain the bank's Loan Closure Letter, No-Dues Certificate and NOC. If the builder insists on the original letter, submit it only against a written receipt clearly mentioning the document details and purpose of submission. Also, obtain written confirmation that the document is being collected solely for removal of the lien from its records. After completion, insist on a formal Lien Release/No-Dues NOC from the builder, as this will be important for any future resale. Keep your scanned copy and all correspondence safely. My personal advice: You may submit the original, but only with proper documentation and acknowledgment. Do not rely solely on a verbal assurance or informal email.

Advocate Gurjant Singh LawRato