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Housing Development Seminar - 2: Thursday December 2, 2004

“Key Issues in Planning &
Implementing A Successful and Profitable Housing Development”

Developer's Application Booklet

Jamaica Mortgage Bank Developers Applications Booklet.
Downloadable version..

JMB Financial Statements
Jamaica Mortgage
Bank Consolidated Financial Statements March 31, 2003

Jamaica Mortgage Bank Financial Statements March 31, 2002.

Investment Tips
Investment Tips
Looking for great advice on what types of properties to invest in.

JMB's Annual Report
The JMB is pleased to present its Annual Report 2004-2006. 

 

Documents & Resourses - Housing Development Seminar

 

TITLING PROCESS


Prepared for presentation to Jamaica Mortgage Bank Housing Development seminar on Thursday December 2, 2004—presented By Alfred McFerson – Registrar of Titles NLA


The National Land Agency (NLA)/ Office of Titles
 

How to prevent Title Applications from being rejected and the Fast Track Process
Sub-Headings

The Certificate of Title
Subdivision Approval
The Deposited Plan
The Application for Splinter Titles - Section 77 of the Registration of Titles Act (RTA)
The Fast Track Process
Guidelines to assist in preventing the rejection of Title applications


The Certificate of Title

The land must be described and identified by survey diagram in a Certificate of Title under the Registration of Titles Act.
A Commissioned Land Surveyor must effect a boundary survey to ensure that the boundaries of the land on the ground correspond with the boundaries on the Title.
The lots must not include unregistered land or encroachments.
Subdivision Approval
The lots and road alignment of the subdivision/ development must be done in full compliance with the approval of the Local Planning Authority/ Parish Council.
Any deviations from the approved subdivision plan must be approved by resolution from the Authority before the Director of Surveys pre-checks the plan for subdivision.
The developer must examine the conditions of approval by the Authority to ensure that he/ she is in full compliance prior to lodging a plan for deposit at the Office of Titles.

Subdivision Approval
A statutory declaration by the relevant official confirming the alignment and laying out of any lots and roads where the conditions of approval require such confirmation.
The Deposited Plan
The Surveyor prepares a subdivision plan showing the lots and roadways as well as marks on the ground of all lots and roadways and the alignment of the roadways in keeping with the approved subdivision plan.
The Surveyor presents the plan to the Director of Surveys to be certified in accordance with the Land Surveyors Act.
The Director of Surveys may then confirm that that the plan is accurate and in compliance with the Land Surveyors Act.
The Deposited Plan
However the certification of the Director of Surveys does not absolutely confirm compliance with the approved subdivision plan.

The Deposited Plan
Documents to be lodged

The pre-checked plan (certification by the Director of Surveys)
Statutory Declaration by the Surveyor verifying the plan’s accuracy and that the lots and roadways have been marked out in keeping with the Land Surveyors Act.
A certified copy of the approved subdivision plan.
A certified copy of the resolution by the Parish Council and approval by the relevant Minister
The Deposited Plan

Documents to be lodged
Statutory declaration of the relevant officer of the Authority or the Authority itself, under its seal, confirming the alignment of the roadways and the laying out of the lots on the ground in accordance with the approved subdivision plan.

The Deposited Plan
Turnaround Time

Approximately three weeks.
Application for Splinter Titles
(Section 77 of the RTA)
Section 77 applications are those in which the splinter (subdivision) titles will be issued in the name of the registered proprietor (also being the registered proprietor of the parent title) who for all practical purposes is the developer eg. The Minister of Housing

Application for Splinter Titles
(Section 77 of the RTA)

The appropriate form for an application to surrender under section 77 is available on the NLA website.
The application should be kept as simple as possible to reduce the probability of error.
The Customer Service Manager and representatives are available to assist with any areas of doubt or uncertainty.
Application for Splinter Titles
(section 77 of the RTA)
Documents to be lodged

The Section 77 application to surrender
The Certificate of Title (parent title)
Manager’s Cheque for the fees assessed based on the value of each lot and also including the roadways
Certificate from the Parish Council confirming the satisfactory completion of any road works (where the satisfactory completion of the works are a prerequisite to the issue of titles)

Application for Splinter Titles
(section 77 of the RTA)

Documents to be lodged


Title will NOT be issued unless the properly sealed Parish Council Certificate is presented.

Application for Splinter Titles
(section 77 of the RTA)
 

It should be noted that the applications to surrender for Splinter Titles with respect to Part of Land Transfers and Strata Titles are subject to certain variations, even though the substantive content of all applications to surrender is similar
The imposition of Restrictive Covenants by the Developer/ Applicant in an Application to Surrender has certain distinguishing features which will require a certain format
Application for Splinter Titles
(section 77 of the RTA)

Turnaround Time

Approximately two weeks, depending on the size of the development. Larger developments may take three weeks.

The Fast Track Process
The National Land Agency has a business service called Simultaneous Lodgement.
The service facilitates the simultaneous lodgement of all the documents required for applications for 10 or more splinter titles
It allows documents including the survey plan, the surveyor’s declaration and the Section 77 Surrender Application to be processed at the same time.
The service is optional.

The Fast Track Process
Date of service availability
The service was operated as a pilot in 2003 and became available on July 19, 2004

The Fast Track Process/ Simultaneous Lodgement
Cost of Service

The cost for the service is $15,000.00 per lot in addition to all other usual fees

The Fast Track Process
Access to the Service

An appointment should be made with the Customer Service Manager. The application will be assessed to determine whether it is suitable for simultaneous lodgement
The Fast Track Process Turnaround Time


Approximately 40 working days
Guidelines to assist in preventing the rejection of Title Surrender applications

Ensure that the Surrender applications are carefully completed
Ensure that the resolutions of the Parish Council are strictly complied with
Ensure that the parent title allows for subdivision – some titles have covenants which stipulate that the land shall not be subdivided

Guidelines to assist in preventing the rejection of Title Surrender applications

Where such covenants not to subdivide land allow for modification by the Parish Council, then approval must be obtained from the Parish Council prior to applying for splinter titles
However where the covenant does not contain words to provide for modification by the Parish Council, then an application must be made to the Supreme Court to modify the covenant

Guidelines to assist in preventing the rejection of Title applications

  • Where declarations are required eg. Section 77 and Strata applications, the declaration must be by way of Voluntary Declaration and hence must be completed in keeping with the Voluntary Declarations Act
     

  • Care must be taken to describe the applicants and to include their address, and for individuals, their occupation
    The consideration/ value for the lots and roadways must be stated
     

  • The number of splinter titles required must be stated
     

Guidelines to assist in preventing the rejection of Title applications
 

  • The property must be properly described and the Volume and Folio number quoted in the application must be consistent with that on the parent title
     

  • The Plan Examination Number or Deposited Plan Number as the case may be must be stated
     

Guidelines to assist in preventing the rejection of Title applications
 

  • Applications by companies and corporations must be under the seal
     

  • The law under which the company or corporation exists must be stated or it must be stated that it exists under the Laws of Jamaica
     

  • In such applications, where directors swear to the application they must state that are duly authorised by the company to do, in which case the director must also co-sign the application in his capacity as a director along with the execution by the company
     

 

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