Description

Companies and individuals may submit a request online to the Real Estate Registrations Department at the Ministry of Justice (MoJ) to mortgage real estate, which regulates an agreement between two parties to mortgage real estate in return for a defined amount of money that is paid by the mortgagor to the mortgagee following the approval of the competent entity.

Online Instructions

• Login to Sak portal using your username and password on Hukoomi.
• Select “Real Estate Registration Services”, then “Mortgage Transactions”, and then “Mortgage Flats”.
• Select applicant (first party mortgagee creditor).
• Enter the contract number and the date, if any.
• Enter the second party details (mortgagor, owner).
• Enter the contract value (the mortgage value), and choose the property.
• Click on Add Attachment to attach the following required documents:
  • Personal identification (copy of QID/ passport) for natural person
  • Copy of valid commercial registration, establishment ID and commercial license (for juridical person).
  • The original title deed.
  • Copy of valid power of attorney, in case the signature on the document is based on a power of attorney
  • Mortgage contract.
  • Other documents (determination of heirs, letter from the General Authority for Minor Affairs, entities’ approvals)
• Click on Save Attachments.
• Pay appropriate fees and submit your request.

Fees

Fees will be calculated a quarter per thousand of the debt value, or a quarter per thousand of the property value, whichever is less, in addition to 200 QR for bond fees and 100 QR for scheme fees.

Additional Information

• After the request gets submitted, this message will be displayed: The application has been submitted successfully (request number) and pending is the Department’s approval.
• The request will be directed to the Registration Department to review the contract and specify the approval or rejection.
• A message will be sent to all parties of the transaction with the status of the request.
• Within two working days, the application will be approved or rejected, clarifying the reasons. In case the request is approved, the parties of the transaction must go to one of the branches of MOJ to complete the application.
• The party’s data is verified through the QID number, along with its expiry date.
• The user must be registered on Hukoomi portal, to be able to access the National Authentication System.
• The transaction may be submitted by a representative, who will not be considered as one of the parties in the transaction.
• The transaction may also be completed by visiting any of the Single Window branches affiliated to MOJ or through Sak mobile app.