CreditWiseConfident Decisions
Release & Redeposit Memorandum
Used to extend equitable mortgage when adding new lenders or creating fresh joint mortgage for consortiums.
Memorandum Designer
Step 1 of 31
Basic Info2
Banks & Loans3
SchedulesConstructive Delivery & DDE
Constructive redeposit is a legal fiction where title deeds remain with the Lead Bank but intent is refiled to cover new lenders. For 2026, execution must be integrated with State **Digital Document Execution (DDE)** systems for real-time stamp duty verification.
CERSAI Security Filing 2026
Registration of the release and joint redeposit transaction on the **CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest)** portal is mandatory within 30 days of execution to prevent dual-mortgage frauds.
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