Kerala EC: How to apply for Encumbrance certificate

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Kerala EC: How to apply for Encumbrance certificate

Kerala EC: How to apply for Encumbrance certificate:Encumbrance is a right to, interest in, or legal liability on real property that does not prohibit passing title to the property but that diminishes its value. Encumbrances can be classified in several ways. They may be financial or non-financial. Alternatively, they may be divided into those that affect title (ex: lien, legal or equitable charge) or those that affect the use or physical condition of the encumbered property (ex: restrictions, easements, encroachments). Encumbrances include security interests, liens,servitude(e.g. easements, way leaves,real covenants, profits a prenter), leases, restrictions, encroachments, and air and subsurface rights. Also, those considered as potentially making the title defeasible are encumbrances. Encumbrance: charge upon or claim against land arising out of private grant or a contract.

All the details of any transaction on the property will be listed in it. It is important for you to get this certificate if you plan to buy the property, take out a home loan for it or take a loan against it. In all cases, governmental authorities will insist on a 13-30 years encumbrance certificate.The encumbrance certificate is evidence that the property on sale is free from mortgages, and there are no legal disputes revolving around it.

How to apply for the encumbrance certificate

Find out the survey number of the property, and the owners’s name. This is the basic information that is required in order to apply for the encumbrance certificate.

fill the application with mandatory details such as

  • Name of the property owner
  • Survey number of the property
  • Property description with proper measurements and boundaries
  • Period for which EC is requested

The application is made through Form 22 to the Tehsildar with a Rs. 2/- non-judicial stamp. The applicant  have to furnish additional details like their complete residential address (with address proof), and the purpose for which the EC is required.Then submit the application to the jurisdictional sub-registrar’s office.

The next step is pay the required fees at the sub-registrar’s office for the application to be processed. The fees will be charged year-wise, with even a fraction of the year being considered as a full year. The Tehsildar  check the reports if there is any entry for the property/owner under question. It takes between 15 to 30 days from application to receiving your encumbrance certificate.

Encumbrance is have two categories.EC is issued on Form No. 15 or Form No. 16 based on whether any encumbrance is produced on property or not. If there is no encumbrance on the property during the specified time period, then Form No. 16 will be issued with nil encumbrances.if there is any charge against the property for the specified time period, then Form No. 15 will be issued.It will also include relevant details like, the nature of the charges produced, documents of the property registered, amount secured, registration details, references, etc. that have been registered and recorded in Book-I by the registration authorities for the time period for which the EC was requested.

apply for Encumbrance certificate HERE

Check Encumbrance Certificate Status Online

Applicants can check the payment status and application status. Enter Transaction ID and Security code to check encumbrance certificate status.

Steps :

  • To know your EC Application status , login to official website http://keralaregistration.gov.in 
  • Select Certificates -> Encumbrance Certificate -> EC Status
  • Enter Transaction ID and Security code
  • Click on Check status button
  • If the status of your application is “Certificate Issued”, then digital certificate will be available for downloading
  • Click on the ” [ Download Certificate ] ” icon , to download the certificate
  • Follow the verification steps provided, to verify the signature.

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