► I have a house building loan in state bank of India that loan is in the name of three of us my father my brother and me father died last year the land is in father's name in this case the heir of the land is me brother mother sister. In this situation I want a top up loan but the bank is telling me to make the land in the name of our two brothers but what is the legal procedure and how to do it Kindly tell me
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1 Answer
Dec 25, 2025
Dear Sir,
If mother/sister do NOT want to release
Then the only alternative is:
Make them co-owners + co-borrowers
They must sign mortgage & loan papers
Most families avoid this.
My professional suggestion (banking-safe route)
Release Deed by mother & sister → mutation → submit to SBI → top-up loan
This is legally clean, fast, and accepted by all nationalized banks.
Who releases?
Mother and sister release their rights
In favour of you and your brother
Legal steps:
Draft a Release / Relinquishment Deed
Clearly mention:
Death of father
Legal heirs
Property details
Release without/with consideration
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