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Registration of a Legal Mortgage at Abuja Geographic Information Systems (AGIS): Costs and Requirements

Registration of a Legal Mortgage at AGIS in Abuja requires meticulous attention to detail and a thorough understanding of the required documentation and associated fees. From securing consent letters to ensuring all tax obligations are met, each step is crucial to avoid delays. Do not let the process overwhelm you, get your mortgage registered smoothly and efficiently by following the correct procedures and staying ahead of the requirements.
Registration of a Legal Mortgage at AGIS

If you are looking to register a legal mortgage over land in the Federal Capital Territory (FCT), Abuja, at the Abuja Geographic Information Systems (AGIS), there are specific requirements and associated costs that you need to be aware of.

Here is a simplified guide to help you navigate the process effectively:

Required Documents for Registration

To successfully register a legal mortgage at AGIS, applicants must submit the following documents alongside their application letter:

  1. Consent Letter from the Mortgagor: This is a formal letter of consent from the borrower (mortgagor) authorising the mortgage.
  2. Board Resolution (If Applicable): For corporate entities, a board resolution approving the mortgage transaction must be included.
  3. Bank Brief: A photocopy of the instruction letter from the bank directing the perfection of the mortgage transaction.
  4. Recent Tax Clearance Certificate: A copy of the tax clearance certificate is required to ensure that all tax obligations are up to date.
  5. Ground Rent Receipts: Payment receipts for ground rents covering both the previous and current years.

Fees Chargeable Upon Approval

Once your application is approved, the following fees will be applicable:

  1. Registration Fees: 1% of the mortgage consideration.
  2. Consent Fee: ₦10,000.00
  3. Processing Fee: ₦10,000.00
  4. Counterpart Copy Fee: ₦2,000.00

Key Considerations

AGIS has streamlined many of its processes to enhance service delivery and customer experience. As part of this effort, AGIS has integrated its payment system into the REMITA platform, which facilitates online payments for various services, including mortgage registration.

This transition to online payments aligns with the Federal Government’s Treasury Single Account (TSA) policy, making the process more efficient and accessible​.

By understanding and preparing these documents and fees in advance, you can ensure a smoother and more efficient registration process for your legal mortgage at AGIS.

This information is crucial for anyone looking to engage in real estate transactions in Abuja and provides clarity on the necessary steps and costs involved in securing a legal mortgage.

Ensure to keep your documentation up to date and be prepared for the associated costs to avoid delays.

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