Introduction
When you finish paying off your housing loan or refinance your property, you must remove the bank’s interest from your property title.
This process is commonly known as: -
Although the names differ, the purpose is the same: that is, to confirm that the bank no longer has a claim over your property.
Our conveyancing lawyers handle the entire process from bank to land office to ensure a smooth release of your property title.
This process is commonly known as: -
- Discharge of Charge (for properties with individual/strata title)
- Receipt & Reassignment (for properties under master title with Deed of Assignment)
- Redemption of Title or Loan Settlement (general terms)
Although the names differ, the purpose is the same: that is, to confirm that the bank no longer has a claim over your property.
Our conveyancing lawyers handle the entire process from bank to land office to ensure a smooth release of your property title.
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Frequently Asked Questions (FAQs) on Sale and Purchase Agreement in Malaysia
1. What is the difference between Discharge of Charge and Receipt & Reassignment?
Discharge of Charge applies when your property has an individual or strata title. Receipt & Reassignment applies when the property is still under a master title and secured by a Deed of Assignment. Please seek independent advice on your specific circumstances.
2. How long does it take to complete a Discharge of Charge?
Typically, it takes 2 - 3 months, depending on how fast the bank executes the documents and the land office’s processing time.
3. What are the legal fees for a discharge of charge in malaysia?
Legal fees are calculated based on a amount prescribed under the Solicitors’ Remuneration Order (SRO). Our firm offers transparent pricing. Contact us for a quotation.
4. Who pays the legal fees for Discharge of Charge?
The borrower (or in most cases, the property owner) usually bears the legal fees and disbursements unless agreed otherwise in the SPA or loan agreement.
5. Do I need to attend the bank or land office personally?
No, our conveyancing lawyer will handle all documentation, lodgment, and follow-up with the bank and land office on your behalf.
6. What documents are needed to start the discharge of charge process?
Common documents include the property title, a copy of the borrower’s identity card, proof of loan settlement, copy of latest and duly paid quit rent bill and receipt, and copy of latest and duly paid assessment bill and receipt.
Note: Additional documents may be required. We will review your documents and advise if anything additional is required based on your specific circumstances.
Note: Additional documents may be required. We will review your documents and advise if anything additional is required based on your specific circumstances.
7. What happens if I don’t discharge my property after full loan settlement?
The bank’s charge will remain on your title.
What Our Satisfied Clients Say
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Mr Teh is super patient, professional, and explained everything clearly, which made the whole process a lot easier for me. Plus, his fees are more affordable compared to others I looked into. I definitely recommend him if you’re looking for a good lawyer who really cares about his clients.
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Mr Teh kept me well updated and advised throughout the legal process. He gave me realistic expectations on the possible outcomes of my case and I could see effort was being made to go the extra mile and achieve the outcome in my best interest. I have every intention to keep this firm as my legal advisor going forward.
Mr GS, from Google Reviews
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Exceptional 5-star service from Mr Teh solicitor in Mont Kiara! As newcomers to Malaysia under the MM2H programme, we were excited but worried about the process of purchasing property here and finding the right solicitor to assist with the process. We are thrilled with Mr Teh's diligent, detail-oriented approach. He was always super prepared and went above and beyond, ensuring a smooth condo purchase while proactively communicating risks, quirks, and solutions. All this while charging very transparently and reasonably for the services provided. Wholeheartedly recommended, especially if you are new here.
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I came across Teh & Yu when I searched in Google to look for foreign marriage divorce. Their website published a very detailed information about the process, and Mr Teh did give me a preliminary call to understand more about my situation. He was so patient and polite in providing me his advice and also to let me know the details of the process. Their legal fee is by far the cheapest that I found (I have asked for 6 legal firms for the quotation). I strongly recommend their firm to anyone who is in need of legal advice - I couldn't believe that i was so lucky to have found such amazing legal firm by chance!!
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I’m incredibly grateful to my lawyer for handling my case with such dedication and professionalism. They helped me resolve the case with care and expertise. The fees were also very reasonable, which gave me peace of mind throughout the entire process. I highly recommend their services to anyone in need of legal assistance!
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I had a very positive experience with Teh and Yu. They were extremely helpful and professional throughout the entire process. Their clear communication, attention to detail, and genuine care made me feel safe and well taken care of. I truly appreciate their support and would highly recommend them to anyone looking for a reliable and trustworthy legal team.
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I am extremely grateful to Teh & Yu Law Firm for their exceptional service during my divorce process. Their team was not only professional and knowledgeable but also compassionate and understanding during a very difficult time. They provided clear legal guidance, were always responsive to my questions, and ensured that my rights were well protected. Thanks to their expertise, the entire process was handled smoothly and efficiently. I highly recommend Teh & Yu Law Firm to anyone in need of a reliable and dedicated divorce lawyer.
Ms Ng, from Google Reviews
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Mr. Teh, I sincerely thank you and grateful to you, Teh & Yu Advocates and Solicitors and the team for extending a great, dedicated, professional services in assisting me to resolve my marriage record that was not updated decades ago. My deepest gratitude to you and your team. It has been a great pleasure working with you. All guidances and advices provided are always so timely and fast. Thank you very much!
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Professional, polite, prompt and efficient service is what they provide all done via WhatsApp and if requested on email too. I am located overseas and found them via Google and they were quick to respond on WhatsApp. They were very helpful in terms of advice and instructions on forms to complete and when to complete by. They also provided updates without prompting.I would recommend them to anyone who is overseas and needs services completed in Malaysia.
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Getting to know Mr. Teh and company really my pleasure. Professional services provided here are absolutely satisfying with a word “Excellent”. Got frequently updates about the service / work progress, having me to worry free for no hanging over tasks. I high recommend them as my first choice
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I’m glad to have engaged Teh & Yu to handle my late dad’s will. Mr Teh is very prompt in responding to our texts/ requests. The timeline and processes involved were well explained in the beginning. Overall a seamless and pleasant experience and I have no hesitation in recommending this firm to family and friends.
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We are here to assist.
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Once you have repaid your housing loan, it’s important to ensure the bank’s charge is properly discharged.
Whether it’s a Discharge of Charge, Redemption of Title, or Receipt & Reassignment, our conveyancing lawyers will handle the process seamlessly to give you peace of mind. Submit your information below and we will get back to you as soon as possible. |
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