Difference between Indenture and Title Certificate
In Ghana, owning property often begins with an indenture, but the true key to ownership lies in obtaining a title certificate. In this article, we’ll explore why every property owner should prioritize this essential document.
An indenture is a vital contract provided to property buyers, serving as proof of purchase for real estate transactions. However, its validity hinges on crucial elements such as a certified site plan endorsed by the solicitor of the Supreme Court.
A certified site plan is a plan that has been stamped, signed and dated by a licensed surveyor and the Regional Surveyor, and endorsed by the solicitor of the Supreme Court of Ghana.
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To elevate an indenture to a title/deed certificate, it must be submitted to the Lands Commission for registration. Depending on the property’s location, either a title or a deed certificate is issued to the property owner. While titles are common in areas like Accra and parts of the Ashanti region like Adum-Kumasi, deed certificates prevail elsewhere.
A title certificate is more than just documentation—it’s official proof of rightful ownership, crucial for avoiding legal disputes. Without it, multiple individuals could claim ownership based on their respective indentures, leading to potential litigation issues.
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In summary, while an indenture serves as proof of purchase, a title certificate is the official documentation establishing legal ownership of a property, offering greater security and protection against disputes. Therefore, property owners must treat their indentures as receipts and promptly pursue title registration. This not only safeguards ownership rights but also provides legal clarity and security for their investment.
Don’t underestimate the power of a title certificate—secure yours today!
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