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The Mortgage Lien Release Letter is a critical document in UAE property transactions, required when a mortgage has been fully repaid or when refinancing a property. It must comply with UAE Federal Law No. 14 of 2008 (Mortgage Law) and relevant emirate-specific property regulations. This document is typically issued by banks or financial institutions to confirm that a mortgage has been fully satisfied and that the lender releases all claims against the property. The letter includes essential details such as property identification, original mortgage particulars, and explicit confirmation of the lien release. It serves multiple purposes: enabling property owners to prove their unencumbered ownership, facilitating new financing arrangements, and allowing for proper registration with land departments. The document is particularly important in the UAE's dynamic real estate market, where property transactions and refinancing are common.

1. Letter Header: Bank/lender's letterhead, date, reference number, and recipient details

2. Property Identification: Clear identification of the mortgaged property including plot number, property ID, and location details as registered with the relevant land department

3. Parties Identification: Full details of the mortgagor (borrower) and mortgagee (lender), including all identification numbers required by UAE authorities

4. Mortgage Details: Original mortgage amount, date of mortgage, and mortgage registration number with the land department

5. Confirmation of Payment: Clear statement confirming that the mortgage has been paid in full

6. Lien Release Declaration: Explicit declaration that the mortgage lien is released and the property is free from any encumbrances related to this mortgage

7. Authorization: Statement authorizing the relevant land department to remove the mortgage registration

8. Signatory Section: Authorized signature block with name, title, and bank stamp as required by UAE regulations