How to Read Encumbrance Certificate?

Hi there,

While hunting for a property in Raipur, I came across the document known as the encumbrance certificate. It was then that I realised how crucial this document is in terms of finding all the previous details or history of a property that you’re interested in. But you must also know how to read encumbrance certificate. I learned it during the process of hunting property and I am going to tell you all about it. But before that, let me tell you what an encumbrance certificate is.

An encumbrance certificate is a legal document or record that verifies that a property is free of all financial and legal obligations. Aside from that, it shows the property's condition as well as the total number of past owners and their contact information. It also includes details on previous ownership transfers as well as all of the property's mortgage obligations. For properties for which the mortgage has not been executed, the encumbrance certificate cannot be acquired. Aside from that, you'll need an Encumbrance Certificate if you want to apply for a loan to buy the property or if you want to use the loan to buy another home. It is also viewed in the panchayat office if the property owner has not paid land tax to the government in the preceding three years.

To know how to read encumbrance certificate you must know what is included in an encumbrance certificate.

What does the statement of encumbrance of property include? 

An EC for a given time period comprises a list of all recorded developments linked with the property that took place during that time. For a duration of up to 30 years, an Encumbrance Certificate of a property can be obtained.

It's worth noting that if you ask for an EC for a specific time period, you'll only get the details for that time period. The register locations that can be accessed through the sub-register will provide the intricacies.

If you know these details, you can easily read an encumbrance certificate. I hope I was able to help you understand how to read encumbrance certificate.