Encumbrance Certificate

Rakesh Kumar (Querist) 13 November 2008 This query is : Resolved
Dear Expert,

Please illustrate what is encumbrance certificate and why it is so important in any property transactions.

Regards,

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arunprakaash.m. (Expert) 14 November 2008
Encumberence certificate is issued by the subregisterar of registrstion department where the property is situated. Encuberence any hinderence, like mortgage lease, licence, gift and will etc.

Srinivas.B.S.S.T (Expert) 14 November 2008
Rightly said by Arun Sir. But EC will only reflect registered charges or transfers of the property.

G. ARAVINTHAN (Expert) 15 November 2008
Encumbrance Certificate shows us the history of the property for a certain period and it also clear is stating that the property is under a charge or not.

The buyer of the specific property can get along with the EC and can proceed with the conveyancing

M. PIRAVI PERUMAL (Expert) 15 November 2008
Encumbrance Certificate shows the entire history of transations that has taken place in respect of the said property. EC can be obtained through online. You cannot held the registration department liable for any errors in it. Power of Attorneys, Will and unregistered encumrances will not find place in it. Further mortgage by deposit of title deeds also do not find place in the EC.

Adv.Shine Thomas (Expert) 18 November 2008
I think,EC shows the entire history of transactions and also includes mortgage by deposit of title deeds.

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