Encumbrance Certificate

 



 Encumbrance Certification

 

When you buy a property, it is very important to check if there are any legal complications associated with it. Encumbrance Certificate (EC) will help you find out if there are any charges created on the property.

What is an Encumbrance Certificate?

An Encumbrance Certificate is a legal document which will help you find out if there are any charges made on the property – financial or legal. You can avail an EC by visiting the respective Sub-Registrar's Office.

Why is an Encumbrance Certificate Required?

Before buying a property, you must ensure that the property has a clear title. Getting an Encumbrance Certificate will assure you that the property you wish to buy is free from such financial or legal liability. If you notice a charge on the EC, it is important to rectify it before you make the purchase. It will also help you find out if there are any existing owners who can legally claim the property.

Apart from that, if you are planning on availing a loan to buy a property, an EC is one of the documents you will be required to submit to your lender.

What is the Application Fee to Get an Encumbrance Certificate?

The application fee to get an Encumbrance Certificate differs from state to state. It depends on the location of the property and the state government that governs it.

 

How to Apply for an Encumbrance Certificate Online

The steps to apply for an Encumbrance Certificate differs from one state to another. A few states in the country allow users to apply for an EC online.

If you cannot apply for an Encumbrance Certificate online in your state, you must visit the respective Sub-Registrar's Office.

Below is the procedure to apply for an Encumbrance Certificate online:

1.    Visit the respective State’s official land registration website and select the option to apply for an EC.

2.    Enter all the required fields on the application for encumbrance certificate window, then click save/update.

3.    Enter the search period for which you require the EC and then click on ‘Calculate Fee’.

4.    Upon paying the required application fee is paid and is filed, you’ll be directed to the ‘Acknowledgment’ window. Click ‘View Acknowledgement’ and you’ll be able to take a print of the acknowledgement.

5.    An inspection will be carried out by an inspector from the land records department and check for all information of the said property for a period.

6.    Post the completion of the inspection, an Encumbrance Certificate will be issued will all transactions occurred during the specified period. If there were no transaction during the period, then a nil EC will be issued.

ENCUMBRANCE CERTIFICATE IN OTHER STATES

·         Tamil Nadu EC

·         Kaveri Karnataka EC

·         IGR Andhra Pradesh EC

·         IGRS Telangana EC

·         Kerala EC

How to Apply for Encumbrance Certificate Offline

1.    Visit the respective Sub-Registrar's Office (the jurisdiction depends on the location of the property).

2.    Submit the duly filled Form 22.

3.    You will be required to enter details such as the names of the seller and buyer, property details, the type of document you are requesting for (in this case, EC), etc.

4.    Pay the required fee at the counter.

5.    Once your application is successfully submitted, you will get a reference/acknowledgment number. You can use this number to track the status of the application online.

How to Download Encumbrance Certificate for Your Property

FOR DOWNLOADING YOUR EC USE THIS LINK:  

 https://tnreginet.gov.in/portal

 

FOR DOWNLOADING STEPS USE THIS LINK:

    https://youtu.be/TSdlIYQzlkE

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