What is an Encumbrance Certificate?

Q: What is an Encumbrance Certificate? Please give some details.

Neha Srivastava, Delhi-NCR

29th September 2011

Other in Delhi

encumbrance certificate

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The Encumbrance certificate is one of the most essential legal documents for properties. It is issued by the state registration department.

The most critical information mentioned in the EC is the name of the current owner of the property. While negotiating with the apparent property seller, it is very useful to check whether the seller is registered as the current owner of the property according to the government issued EC. Imagine paying the advance to a fraudster who has forged documents and given them to you!
As a prospective owner of a property, it is essential that you are aware of any impending dues on the property. Imagine buying a property without knowing that it had been given as collateral to a bank for a loan by the earlier owner. What a nightmare this could be!

maatrum, Chennai

3rd October 2017

Comment

Hey Raj Roy,
You can obtain EC by download the Form 22 . Affix it with Rs 2non-judicial stamp and address to the Tahsildar, giving an attested copy of your residential address and the purpose for which the certificate is required.

Mention the details of ownership such as correct survey number and place where the property
is located. It is very necessary that the period and full description of the property are mentioned clearly in the application.

Arpit, Delhi-NCR

18th August 2015

Comment

That is Arpit. After filling the application form, you have to pay the requisite fee. This fee is to be paid as per the period of encumbrance. The encumbrance year commences from April 1st of a calendar and closes on March 31st, of the next calendar year. EC is usually provided in the regional language. You can obtained an English translation copy by paying an additional fee.

Veena K,

19th August 2015

After filling the application & paying the fee, now application should be given to the jurisdictional sub-registrar’s office, under which the property is registered. Usually it takes around 15 working days to 30 working days to obtain the encumbrance certificate.

Sujan Mitra,

20th August 2015

Hey guys,
I just purchased an apartment. I want to know from where I can obtain EC? What is the important of an EC?

Raj Roy, Delhi

18th August 2015

Comment

Hi Raj,
As per my knowledge, the encumbrance certificate is very much necessary for those applying for a home loan or acquiring a loan against property or when one needs to sell or purchase a property. Encumbrance implies that the liabilities made on a specific property, whereby it is held as a security for any obligation of its owner, which has not been discharged as on date.

Jeet Bhaskar, Delhi

18th August 2015

Hey Raj,
Definitely Encumbrance Certificate (EC) is important for you. An Encumbrance Certificate contains every one of the transactions registered identifying with a specific property for a certain period as needed. These details additionally comprise any claims or encumbrance on the property.

Richa, Delhi

18th August 2015

@ Raj Roy,
Government authority and financial institutions like private banks as a rule request 10-15 years of encumbrance. But you can ask for up to 30 years encumbrance certificate to be checked. If you have doubts, you can take a Possession Certificate of the ownership for the particular area, which is accessible from the village office.

James, Delhi

18th August 2015

Before buying any land or house, it is important to confirm that the land does not have any legal dues. Following is procedure to obtain a no encumbrance certificate or encumbrance certificate. http://www.commonfloor.com/articles/encumbrance-certificate-for-property-buying-1787.html

Rakesh, Bangalore

29th September 2011

Comment

EC is an important document issued by the Registration Authorities either in Form No.15 or Form No.16.Form No.15 records and reflects all the transactions and plays an vital role in investigation of title.Form No.16 is issued by the registration authorities only when no transactions have occurred in respect of an immovable property for the period pertaining to which the encumbrance certificate is applied.

Abhilasha, Bangalore

29th September 2011

Comment

An encumbrance certificate is an important document for property transactions. It is also issued for the purpose of mortgaging a property to avail of a loan. It certifies that the property is not already mortgaged.

Manisha Soori, Gurgaon

29th September 2011

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