What is Encumbrance Certificate? How to Get EC Online?

Encumbrance Certificate – Why it’s Important for You?

Buying a house or property is certainly a big investment and hence it’s expected that you should have had all the necessary documents with you. You might have heard the term “Encumbrance Certificate” or EC which is closely related to buying any property house, land or plot etc. While you buy any property, being a prospective buyer, you need to make sure that it does not have any legal dues. Encumbrance Certificate (EC) provides you with the assurance that the concerned property is free from any legal or monetary obligations like a mortgage or uncleared loan.

Why do you need an encumbrance certificate?

An encumbrance certificate issued by the registration authorities is required as an evidence of free title and rights for any type of property transaction. This certificate can assure an individual about the right ownership of a property. Additionally, encumbrance certificate can help you in obtaining home loans from banks or other financial institutions for the specific property.

What are the documents required for obtaining the encumbrance certificate?

To apply for encumbrance certificate, you’re required to submit a few documents along with the application form:

• The title and property details
• Registration copy of the property
• Attested copy of the address proof
• Aadhaar Card
• Copy of property sale deed/gift deeds/partition deeds/release deeds etc. if in any case any of it was executed earlier
• Registered deed number, book number, volume/ CD number, date and signature of the applicant should be attached with it
• Reason for that EC is applied for
• Time for which the EC is required
• If the application is made by the attorney holder then a copy of power of attorney is required
• Property card (if available)

How much time is required in obtaining an encumbrance certificate?

To obtain an EC you can apply in person at a sub-registrar’s office or can apply online. The online process is faster and generally takes 2-3 working days to process. Obtaining the certificate through sub-registrar’s office can take 15-30 days.

How to get encumbrance certificate through online?

• Following the below steps can help you to achieve an EC through online –
• First, you need to submit an application for EC to the registration office in Form 22. You must additionally provide the copy of attested address proof, details regarding the property along with the title and the fee submitted for processing the application.
• The concerned officer will inspect the indexes for details in a given period.
• An encumbrance certificate along with the details of the transactions will be issued within a given time. In case there is no transaction a Nil EC (NEC) will be issued.
• It usually takes 15-30 days to issue an EC from the date of application.

Note: An application for EC is made in Form No. 22. EC is issued in Form No, 15 and Nil EC (NEC) is issued in Form No. 16.

You may contact FinacBooks for any professional assistance regarding any information on encumbrance certificate or any assistance for getting your EC through online.