{"id":843,"date":"2019-01-30T11:40:53","date_gmt":"2019-01-30T11:40:53","guid":{"rendered":"https:\/\/dotnewsconnect.co.za\/law\/?p=843"},"modified":"2019-02-22T09:50:48","modified_gmt":"2019-02-22T09:50:48","slug":"property-owners-buyers-and-agents-check-for-the-title-deeds-before-25-february","status":"publish","type":"post","link":"https:\/\/dotnewsconnect.co.za\/law\/2019\/property-owners-buyers-and-agents-check-for-the-title-deeds-before-25-february\/","title":{"rendered":"Property Owners, Buyers and Agents: Check for the Title Deeds Before 25 February!"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>\u201cTime is of the essence\u201d (legal phrase meaning \u2018speed is essential, there&#8217;s a deadline, this is an emergency, hurry up, do it now\u2019 \u2013 The Phrase Finder)<\/p><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">You sell your house\/apartment\/office\/factory\/plot of land. You instruct your conveyancer to pass transfer to the buyer, and start dreaming of what you will do with the proceeds.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But then your lawyer says \u201cHang on, you didn\u2019t give me the property\u2019s original title deed and I need it before I can pass transfer \u2013 where is it?\u201d<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"> Panic!&nbsp; <\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">You can\u2019t find it. The bank doesn\u2019t have it (bondholders normally insist on keeping the title deeds of properties bonded to them as a security measure, at least until the loan is repaid in full and the bond cancelled). You didn\u2019t leave it with your lawyer for safekeeping (perhaps you should have). You search high and low both at home and in the office, to no avail. Your spouse has a vague memory that you may have left it with Uncle Festus to lock away in his vault; but Uncle F died 10 years ago and his house and all his worldly goods are long gone. Or perhaps it was stored in your holiday home and went up in smoke (literally) in that bush fire in \u201993? Panic!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Relax. There is \u2013 for a short while longer anyway \u2013 a quick and cost-effective remedy. Have your lawyer apply for a certified copy of the Title Deed. All you need to do is attest to an affidavit, say that a \u201cdiligent search\u201d has failed to locate the title deed, and confirm that it isn\u2019t pledged or held as security by anyone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All being well, a few weeks and a reasonable legal fee later, the Deeds Office issues a certified copy of the title deed and the transfer proceeds.&nbsp;<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"> Act now, before it all changes <\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">What has thrown the cat amongst the pigeons is a recent change to the applicable Regulations which will, from 25 February, require that \u2013<br><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Your affidavit now has to be \u201cattested by a notary public\u201d. A Notary Public is a specialised attorney who \u201cnotarises\u201d documents in a formal recording and certification process that carries more weight than would attach to a normal affidavit signed before a Commissioner of Oaths. That translates into extra cost and delay.<br><\/li><li>Your application must now be advertised in the Government Gazette, and for 2 weeks after publication must lie open for inspection by the public at the Deeds Registry. Again, that\u2019s more cost. And a lot more delay.<\/li><\/ol>\n\n\n\n<h6 class=\"wp-block-heading\">Owners, buyers and agents: Your urgent action plan&nbsp; <\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">In a property transfer, time really is of the essence. The last thing any of the parties wants is delay, or extra cost. So here\u2019s what you should do&nbsp;right now&nbsp;&#8211;<br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you own property, and whether or not you have thoughts of selling in the near future, this is a great time to confirm that you know where your original title deed is. If you can\u2019t find it, ask your lawyer for help.<br><\/li><li>If you are buying property,<em>&nbsp;<strong>forward this&nbsp;<\/strong><\/em>to the seller or estate agent with a request that they confirm possession of the title deed or act to replace it immediately.&nbsp;<br><\/li><li>If you are an agent, do the same \u2013&nbsp;<em><strong>forward this&nbsp;<\/strong><\/em>to everyone with a property on your books (you\u2019re doing them a favour as well as yourself).<\/li><\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"> And a note for bondholders&nbsp; <\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">The new Regulations apply equally to lost mortgage bonds, notarial bonds, registered leases, holders of real rights etc, so what is said above applies equally to you.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>These new requirements kick in on 25 February, so your window of opportunity here is a narrow one.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>UPDATE: <\/em><\/strong><em>Relax, the 25 February deadline has fallen away! Since publication of this article on 1 February, the Chief Registrar of Deeds has advised that \u201c\u2026 the Deeds Registries Regulations Board at a meeting on 19 February 2019, resolved to suspend the implementation of the amendments to regulation 68, as referred to above, until further notice.\u201d The amendments as they affect you will now be re-drafted, and we will let you know more when they are published.<\/em><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u201cTime is of the essence\u201d (legal phrase meaning \u2018speed is essential, there&#8217;s a deadline, this is an emergency, hurry up, do it now\u2019 \u2013 The Phrase Finder) You sell your house\/apartment\/office\/factory\/plot of land. You instruct your conveyancer to pass transfer to the buyer, and start dreaming of what you will do with the proceeds.&nbsp; But [&hellip;]<\/p>\n","protected":false},"author":101014,"featured_media":844,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Property Owners, Buyers and Agents: Check for the Title Deeds Before 25 February! &#8226; LawDotNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dotnewsconnect.co.za\/law\/2019\/property-owners-buyers-and-agents-check-for-the-title-deeds-before-25-february\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Property Owners, Buyers and Agents: Check for the Title Deeds Before 25 February! &#8226; LawDotNews\" \/>\n<meta property=\"og:description\" content=\"\u201cTime is of the essence\u201d (legal phrase meaning \u2018speed is essential, there&#8217;s a deadline, this is an emergency, hurry up, do it now\u2019 \u2013 The Phrase Finder) You sell your house\/apartment\/office\/factory\/plot of land. 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