Encumbrance Certificate.

Q: Why is it necessary to obtain Encumbrance Certificate?

choudhury.nitu,

5th January 2012

Other in Kolkata

certificate

encumbrance

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Replies (4)

Thanks dear for updating us, can anyone tell me what is the time duration required to obtain EC?

Kaustav Paul, Kolkata

18th August 2015

Comment

Hi Kaustav,The time taken to obtain an EC is usually 15-30 working days. While an EC may give the details of the encumbrance on a property, there are certain documents that are exempt from being registered at the sub registrar's office. As such, these will not appear in the EC. Hence, it is advised that the buyer obtains both the EC and possession certificate as a proof of complete ownership of the property.

Alokesh, Kolkata

18th August 2015

Recently I have purchased under construct property and I want to to obtain an EC?what is the procedure for getting EC?

Poonam, Kolkata

18th August 2015

Comment

Hi Poonam, to obtain EC following procedure you should follow:
1. Download the Form 22 and Affix it with Rs 2 non-judicial stamp and address to the Tahsildar, giving an attested copy of your residential address and the purpose for which the certificate is required.
2. Provide the details of ownership such as correct survey number and place where the property is situated.

Subhajit Rao, Kolkata

18th August 2015

3. Pay required fee. The fee is to be paid according to the period of encumbrance.
4. The application should be submitted to the jurisdictional sub-registrar’s office, under which the property is registered.

Subhajit Rao, Kolkata

18th August 2015

Hi , An EC is needed in a property transaction as an evidence of free title and ownership. It is a document issued by the registration authorities. While buying a property, it is important to confirm that it does not have any legal dues.

bhashkar poddar, Kolkata

15th July 2015

Comment

Yes, Bhaskar I really agree with you but I think EC contains details of all the transactions and confirm that the property is not mortgaged and has no legal dues. It is obtained from the sub registrar's office where the deed has been registered. An encumbrance certificate is important while buying property, applying for a home loan or going in for a loan against the property..

biman roy, Kolkata

15th July 2015

Encumbrance Certificate is very inmportant when you are planning to buy a property because the certificate contains all the transactions registered relating to a particular property for a period of time. Before buying any land or house make sure that the land does not have any legal dues. If you want more details about Encumbrance Certificate Click Here

konkon.malhotra,

5th January 2012

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