Encumbrance  certificate – Importance,  how to get


       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. 

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