What Is Encumbrance Certificate? (Correct answer)

An Encumbrance Certificate or EC is a certificate of assurance that the property in question is free from any legal or monetary liability such as a mortgage or an uncleared loan.

Why do you need an encumbrance certificate?

  • Encumbrance Certificate ensures if the property is free from any Title or Ownership;
  • EC helps in identifying whether any previous mortgage or lien exists on the property;
  • This certificate helps in transferring the ownership or title of the property in your name with ease;

How can I get EC Certificate?

Step 1: Go to the Registration Department of Kerala home page. Step 2: From the application menu, select the encumbrance certificate and then click on submit Application for EC. Step 3: Update District and SRO details where the property is located and click on save.

How can I get EC for property?

To apply or view Encumbrance Certificate online, users need to register on the portal by clicking on https://kaverionline.karnataka.gov.in. Users can access other services such as the property’s value, locating the nearest Sub-registrar office, an appointment for document registration etc.

Can I get EC online?

The EC application can be tracked online, and you can even view EC and download it from the tracking window if and when it is issued. EC online application gets processed in 3 to 4 days, and the offline application takes 15 to 30 days.

Can we get EC online?

Encumbrance certificate can be obtained online through the website of Revenue & Disaster Management Department of Odisha. There is no need to visit the Sub Registrar’s Office with an application form.

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How do I get EC survey number?

Step 1: Visit the Inspector General of Registration (IGRS) Tamil Nadu official website at TNREGINET Portal. Under E-Service, click on the Encumbrance Certificate and Choose View EC. Step 2: Enter data such as zone, district, sub-registrar office, EC start and end date, Village, survey number and subdivision number.

How can I download encumbrance certificate?

Step 1: Visit Registration Department Government of Kerala Registration Portal. Step 2: Scroll down till you find “View/Download Encumbrance Certificate Online”. Step 3: After that, click on “View/Download Encumbrance Certificate Online”.

What EC means?

One of the important documents that you need to apply and verify is an Encumbrance Certificate or popularly known as the EC. An encumbrance certificate is important not only while buying a property but also when you are applying for a home loan or going in for a loan against the property.

How do I find survey number?

You would find the number mentioned on your sale deed. In case of any confusion, you can also check the official portal of the state concerned, to find your land survey number. You could also physically visit the land revenue office or the municipal authority, to find out your land survey number.

What is validity encumbrance certificate?

Hence generally encumbrance certificate is definitely to be obtained for the last 13 years. However an amendment to Indian Contracts Act, a few years ago has specified that, if the property is mortgaged or encumbered to a government or statutory dues then the limitation period is 30 years.

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Is EC required for home loan?

An Encumbrance Certificate (EC) is a crucial document used as evidence of free title/possession of a property. The document is needed while purchasing or selling a property or when applying for a home loan or loan against property to confirm that the particular property is free of any economic or legal liabilities.

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