Encumbrance certificate is certificate of surety that the property is free from legal or monetary liability such as mortgage. If you are planning to buy a house, an Encumbrance certificate is necessary. Encumbrance refers to any charge created on an asset used in the real estate. It is very important to obtain an Encumbrance certificate to secure his legal title over the property and obtain a loan from most banks and financial institutions. We can obtain it from the sub registrar office .You should submit an attested copy of address proof,property details, title details, fees with application for Encumbrance certificate. The Encumbrance certificate issued within 30 days .It will reflect only those transactions and documents registered with the office.
It will ensure the borrower doesn’t sell the property until the mortgage is paid in full. It assures you that the property is free from such financial liability. There are two types of Encumbrance certificates. They are form 25 and form 16. If a property has any Encumbrances during the period in which the applicant has sought a certificate,they issue Encumbrance certificate form 15.If a property has not registered any Encumbrance during the period, Nil Encumbrance certificate is issued on form 16. In nil Encumbrance certificate, no lender has placed lie on the property during that period. The application fees differ in different states.
How to get Encumbrance certificate
- Visit the official website of kerala registration.
- Select online application.
- Select certificate.
- Select encumbrance and submit.
- Select apply for Encumbrance certificate option.
- Select district and sub registrar office.
- Enter all details like name,district, post office, home number, address,phone number, etc.
- Enter document Details like adharam number and year.enter book 1 Details.
- Click save option.
- You can see the details of adharam.
- Enter taluk, village,block number, survey numbers.
- Enter a new survey number.
- You can select a new survey number from a possession certificate or tax certificate.
- If your adharam represents a cent,you can select FPS and if your adharam represents hectares,you can select MKS.
- Enter boundaries of the property as per document.
- Enter remark number.
- If your land has more survey numbers, you can add it.
- Enter the search period for requirements of Ec.
- Click on calculation fees
- Select e payment.
- Select the language of the certificate.
- Select digital certificate.
- Pay the fees.Give a declaration and purpose of certificate.
- Enter captcha and select the proceed option.
- Select make payment option.
- You can see the acknowledgement receipt.
- You can check the status.
- An inspection carried out by an inspector and checked all the information.
- After completion,an Encumbrance certificate will be issued.
- If there are no transactions during that period, no. Encumbrance certificates will be issued.
You can track the status of the Encumbrance application. You can check the status through the official Kerala government website. Select EC status under Encumbrance certificate option. Enter transaction ID.Enter captcha and select check status option. You can see the certificate. You can download it. Open the certificate. Double click the mouse in the signature part. Select show signature properties. Click show certificate option.select trust and add the trust option. Tick the marks from certified documents. Right click the mouse in the signature part. Select validate signature. After verification you will get a tick mark in the signature. We can take print and use it.