tell ur husband give an application to the local revenue authority to transfer the Katha( this term differs from state to state in karnataka its Katha) in his name. The revenue authority may ask NOC(no objection certificate, legal heir certificate, etc. since its ur husband who has paid the sale consideration out of his pocket, procuring these documetns should not be a problem) once katha is effected in ur name , start paying the taxes in his name, after which u can encumber the property in any manner u like.