Learn How to Get Encumbrance Certificate Online for all your Properties
The Encumbrance Certificate is one of the most important papers to read over before purchasing a home. It is a necessary document when purchasing or selling a house, or when applying for a loan against property or a home loan. An encumbrance certificate is a legal declaration or piece of documentation that the land under question has free title or possession. It certifies that there are no civil or monetary claims or liabilities against the land. It is one of the necessary documentation used in internal property transactions. This is proof that the land in question has a free title or copyright. When buying a home, it is critical to ensure that the property is free of legal or monetary responsibility. This certificate certifies that an individual is the sole owner of the land. Here is How to Get an Encumbrance Certificate Online.
How to Get Encumbrance Certificate Online
The EC registration is required to establish that the title to the land is free and clear of all liabilities. It is a necessary document when applying for a home loan or a loan against your house. In addition, when purchasing a home, the certificate is essential to proving that you are purchasing an undisputed and lien-free property. The EC ensures the owner’s legitimate title to the land and guarantees that no other persons will assert the right of possession to the property aside from the owner. This credential is essential for those who wish to secure loans against their home equity or purchase or sell a home. It not only confirms the owner’s legal right to the land, but also qualifies one for loans or advances from banks or other financial entities against the property.
The process to get an Encumbrance Certificate (EC)
i. Filling the application form
Form No.22, the EC submission, must be submitted in order to secure an encumbrance certificate. On the application, you must affix a Rs 2 non-judicial sticker. Along with Form 22, you must include your full residential address as well as the reason for which the certificate is required. The survey number and location of the property for which the EC is being sought must be included in the document. It is also necessary to specify the length, i.e. how many years you want the EC, as well as the full definition of the land, dimensions, and boundaries. Please keep in mind that if you apply for a home loan, the lender can need an EC statement for 10 to 15 years. Along with the registration form, you must have copies of your ID and proof of residence (Form 22).
ii. Submitting the application form
After properly filling out the application form and adding copies of the necessary papers, send it to the concerned officer at the Sub-Registrar Office (SRO). You must pay the appropriate fee when submitting the application form. The fee for requesting an EC is determined by the number of years (the time period) for which you wish to obtain the EC. Please keep in mind that a fraction of a year will be considered a full year since the EC is released from the start of a Fiscal Year, i.e. April 1st.
iii. Encumbrance certificate download
Some states, such as Andhra Pradesh, offer encumbrance certificates online. The EC is available for free download from the Registration Department’s website. The internet encumbrance permit, on the other hand, is provided as documentation for knowledge purposes rather than as a signed certificate. Nonetheless, the e-version of an EC includes all of the required information.
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How to track Encumbrance Certificate status
The measures for monitoring an EC submission vary depending on the state’s website. Tracking applications are also much simpler in states that accept online applications, as opposed to states that require the application to be rendered offline. In Odisha, for example, you can monitor the application by logging into your account on the Odisha government’s official website. On the main menu, select ‘EC status’ from the ‘Certificate’ drop-down menu. If the certificate is released, it will be shown, and you can also download a pdf version of it.
How long does it take to get your Encumbrance Certificate?
The time it takes for your application to be approved and the EC to be released varies by state since each state has its own procedure. However, if you file to the Sub-office, the Registrar’s review of your application will take approximately 15-30 days. If, on the other hand, you submitted electronically, your submission will normally be processed within 3-4 working days.
Documents required for EC
In order to apply for the EC, you need to submit certain documents along with the application form, these documents are:
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Fees for Encumbrance Certificate
| Time Period | Fees |
|---|---|
| For the first year | Rs. 15/- |
| For every subsequent year | Rs. 5/- |
| Application fee | Rs. 5/- |
| Computer fees | Rs. 100/- |
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