Letter No. 28, Mortgage of Assigned House-site Pattas
The Tamil Nadu Revenue Department, Secretariat, Chennai, issued Letter No. 28 dated 21 January 2009, directing an amendment to condition 9 of Form D to permit assigned house-site pattas to be mortgaged to nationalised banks for loans under specified credit-cum-subsidy housing schemes. The permission covers schemes such as Indira Awas Yojana and Prime Minister Gramodaya Yojana, and the Principal Secretary and Commissioner of Land Administration was asked to take appropriate action.
What the letter changes
The Tamil Nadu Revenue Department, Secretariat, Chennai, issued Letter No. 28 dated 21 January 2009. It directs that condition 9 in Form D be amended to allow an assigned house-site patta to be mortgaged in favour of a nationalised bank for obtaining a loan under credit-cum-subsidy housing schemes such as Indira Awas Yojana and Prime Minister Gramodaya Yojana.
The letter follows Government Order (Standing) No. 532, Revenue Department, dated 29 November 2001. That government order had relaxed the condition preventing the mortgage of government-assigned house-site pattas and permitted mortgages to nationalised banks for house construction under a loan and subsidy scheme.
Who is affected
Letter No. 28 dated 21 January 2009 is relevant to:
- People holding house-site pattas assigned by the government.
- Beneficiaries seeking housing loans under Indira Awas Yojana or Prime Minister Gramodaya Yojana.
- Nationalised banks receiving such pattas as mortgage security.
- District Collectors and land administration officials handling assigned house-site pattas.
- The Director of Survey and Land Records, who was among the recipients of the letter.
Key provisions
The Tamil Nadu Revenue Department approved the following changes:
- Condition 9 in Form D may include permission to mortgage the patta to a nationalised bank.
- The mortgage must be for obtaining a loan under a credit-cum-subsidy scheme of the kind identified in the letter.
- Indira Awas Yojana and Prime Minister Gramodaya Yojana are expressly named as examples.
- The approved wording is provided in both Tamil and English.
- The draft amendment stated that no amendment was needed anywhere other than condition 9 of Form D.
- The Principal Secretary and Commissioner of Land Administration was asked to take appropriate action.
Point to note in the text
Letter No. 28 dated 21 January 2009 refers repeatedly to Revenue Standing Order No. 21 when explaining the existing condition and proposed amendment. Paragraph 3, however, prints Revenue Standing Order No. 2 while approving the addition to Form D. The source text does not explain this difference, so readers checking a particular patta should verify the applicable Form D condition with the land administration authority.
This summary is generated from the source document to help you find what is relevant. The PDF above is authoritative. For advice on your own property, use LandLens One or speak to a qualified professional.
Common questions
Can I mortgage a government-assigned house-site patta to obtain a housing loan?
Letter No. 28 dated 21 January 2009 permits such a mortgage in favour of a nationalised bank for a loan under specified credit-cum-subsidy housing schemes.
Which housing schemes are named in the letter?
The letter names Indira Awas Yojana and Prime Minister Gramodaya Yojana as examples of the covered credit-cum-subsidy schemes.
Does the permission apply to mortgages in favour of any lender?
The text specifically permits mortgages in favour of nationalised banks. It does not state that the permission extends to other lenders.
Which patta condition is being amended?
The approved addition is to condition 9 in Form D. The text mainly connects Form D with Revenue Standing Order No. 21, although paragraph 3 prints Revenue Standing Order No. 2.
