Wednesday, 25 January 2012

What is an Encumbrance Certificate?

This certificate can be obtained from the sub registrar's office. This office is directly under control of the Inspector of Registration of Properties, operated by the state government. The certificate shows that in a given period of time from when the property was bought/sold has there been any transaction or mortgaging. Buyers/sellers ask for this certificate for when a new transfer (sale) is taking place, so that the buyer knows transactions that have taken place ever since.

The certificate is given in two different forms. Form 15, will have details of transactions during the period of registration in the name of the owner. A person will get a 'nil encumbrance certificate when no transaction has taken place. this certificate would appear on Form 16.

The encumbrance certificate is to confirm that the property is still in the name of the person who is selling it. This certificate can be obtained in maximum 10 days time.

2 comments:

  1. very nice post, and thanks for sharing the informations

    Borewell in Bangalore

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  2. What are the charges for getting the certificate? Do we need to approach taking help of some one knowing Kannada or simple english/hindi will do?

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