Immovable property, removing a charge, Charge on immovable property, removing a charge on your immovable property, EbizFiling

Removing a Charge on Immovable Property

How to Remove a Charge on Your Immovable Property?


A charge on immovable property is an authorized privilege that enables a lender to use the asset as collateral to secure a debt. This implies that the lender has the power to seize the property and sell it to recover the unpaid debt if the borrower defaults on the loan. Immovable property charge removal can be a difficult process that needs careful planning and execution. In this article, we will discuss the steps involved in removing a charge on your immovable property.

What is a charge on Immovable Property?

A charge on immovable property refers to a legal right or interest that a lender or creditor has over property owned by a borrower or debtor. It is a security interest that the lender or creditor holds over the property to secure a debt or loan that the borrower has taken from them.

Removing a Charge on Your Immovable Property

The steps involved in removing a charge on your immovable property while filing Form-CHG 4 are discussed below:

Step 1: Review the documentation

Gather all the relevant documents related to the charge, such as the mortgage deed, lien documents, or any other recorded encumbrances. Carefully review these documents to understand the terms and conditions associated with the charge.

Step 2: Identify the outstanding balance

Calculate the charge’s outstanding balance. If it’s a mortgage, get in touch with your lender to find out the precise sum needed to payoff the mortgage. Calculate the sum due to the lien holder in the event of a lien or other encumbrance.

Step 3: Set up a settlement for the outstanding balance

Make plans to payoff the balance that is due. This normally entails paying off the loan completely, which could include the principle sum, interest, and any other related costs. Decide on the appropriate payment options and get a payoff statement in coordination with the mortgage lender or lien holder.

Step 4: Obtain a release or dismissal of the charge

After the outstanding debt has been paid in full, you must do this. The charge has been fulfilled and is no longer enforceable, which is acknowledged in this document. Upon receiving the complete payment, the mortgage lender or lien holder will typically provide it.

Step 5: File the form of release with the required authorities

Depending on your jurisdiction, you might have to submit the release form CHG-4 to the applicable body in charge of keeping property records. This could be a county clerk’s office, a land registry office, or another comparable organization. The charge will be formally erased from the property records after the release is filed.

Step 6: Update your property records

It’s vital to update your property records following the filing of the release in order to reflect the dismissal of the charge. Contacting the regional agency in charge of property taxation or assessment may be necessary. Give them the relevant records so they can make the appropriate updates to their records.


Removing a charge on your immovable property can be a complex and time-consuming process, but it is essential if you want to sell or transfer the property. The key steps involved in removing a charge include obtaining the discharge document, paying off the debt, registering the discharge document, and confirming the removal. It is important to seek professional advice and guidance before initiating the process to ensure that you understand the legal requirements and potential risks involved. By following these steps and seeking expert guidance, you can successfully remove a charge on your immovable property and secure your financial future.


Suggested Read: Charge Registration Process for Property Owners

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