The Title Lien Release Letter is a crucial document in UAE property transactions, typically issued when a borrower has fully satisfied their secured obligations, such as repaying a mortgage or meeting other financial commitments. This document is essential for clearing property titles and enabling subsequent transactions or refinancing. Under UAE law, particularly Federal Law No. 14 of 2008 (Mortgage Law) and related regulations, the release must be properly documented and registered with relevant authorities. The letter must include specific property identification details, clear release language, and proper authorization from the lienholder. It serves as official confirmation that the property is free from the specified encumbrance and can be used to update property registers maintained by UAE land departments.
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1. Letter Header: Official letterhead of the lienholder, including full legal name, address, and contact information
2. Date and Reference: Current date and any relevant reference numbers (loan number, account number, etc.)
3. Addressee Details: Full name and address of the property owner/borrower
4. Subject Line: Clear indication that this is a Lien Release Letter with reference to the specific property
5. Property Identification: Detailed description of the property including title deed number and registration details as per UAE requirements
6. Lien Details: Information about the original lien, including date of creation and registration number
7. Release Declaration: Formal statement declaring the full release of the lien and confirmation that all obligations have been satisfied
8. Authorization Statement: Express authorization for the relevant authorities to remove the lien from official records
9. Effective Date: Clear statement of when the release takes effect
10. Signatory Block: Authorized signature, name, title, and company stamp as required under UAE law
1. Consideration Acknowledgment: Statement acknowledging receipt of full payment or satisfaction of debt - include when payment has been recently received
2. Conditional Release Clause: Include when the release is subject to specific conditions that must be met
3. Further Assurance Clause: Statement promising to execute additional documents if needed - include for complex properties or when required by local authorities
4. Copy Recipients: List of other parties to receive copies - include when multiple stakeholders are involved
5. Arabic Translation: Parallel Arabic text - include when the letter needs to be submitted to UAE government authorities
1. Property Title Deed: Copy of the property title deed showing current ownership and lien details
2. Original Lien Registration: Copy of the original lien registration document
3. Payment Confirmation: Evidence of final payment or satisfaction of the secured obligation
4. Authority Documents: Proof of signatory's authority to execute the release on behalf of the lienholder
5. Property Layout/Plan: If the lien relates to specific parts of a property, include relevant plans or layouts
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