Encumbrance certificate
असेही म्हटले जाते: EC
A certificate from the registration department listing the registered transactions on a property, such as sales, mortgages and leases, over a chosen period. It helps a buyer or lender check the title.
An encumbrance certificate (EC) shows what has been registered against a property: earlier sales, gifts, mortgages, leases and similar documents. A certificate that shows no transaction for the period is often called a nil encumbrance certificate.
Who issues it
It is issued by the Sub-Registrar's office, or the State registration department's website, for the area where the property is. You choose the period you want searched, commonly 13 to 30 years for a purchase. The format and the forms used differ from State to State.
When you need it
- Before buying a flat, house or plot.
- When applying for a home loan or a loan against property.
- For mutation of records in some States.
- When selling, because buyers and banks ask for it.
Its limits
An EC shows only registered documents. An unregistered agreement, a pending court case, an unpaid tax or a family claim may not appear. Check those separately, for example with a lawyer's title search and the revenue records.
You can apply with the encumbrance certificate application document. Lenders will also want the original sale deed and title chain.
खालील स्रोतांच्या विरुद्ध तपासले ७ नोव्हेंबर, २०२६ IST. भारतीय कायद्याबद्दलची सामान्य माहिती, तुमच्या खटल्यासाठी कायदेशीर सल्ला नाही.
ही संज्ञा वापरणारे दस्तऐवज
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