The Encumbrance Certificate: Everything You Need to Know

If you are planning to buy a house property, you must have come across the ‘Encumbrance Certificate ’. While preparing for the big purchase by bringing together all required documents, make sure you don’t miss out on an Encumbrance Certificate of the specific property. To ascertain the transactions that have taken place concerning a property- The application is to be made to the registration office for an EC, along with an attested copy of the proof address, details about the property, its title details, and the fee applicable for obtaining the Certificate. An Encumbrance Certificate with the details of the transactions in the specified period, or if no transactions have taken place, a Nil Encumbrance Certificate, is issued. What you’ll find in the EC In a leading case, the High Court of Karnataka has rightly observed that “an Encumbrance Certificate relating to an immovable property issued by the Registration Office is not only of encumbrances but of all acts and encumbrances affecting such property.” All transactions relating to the property that have been recorded by the Registrar will be looked into, and necessary details will be made to reflect in the EC.