what is encumbrance certificate?
Encumbrance Certificate or EC is a certificate of assurance that the property is free from any legal issue. It is not only used for legal issue but by using this we can also eligible to obtain loans from most banks and financial institutions againt the property.
How to obtain an EC?
We can get the EC from the sub register office where we are going to register the property.
Here are the few steps to get the EC in sub register office.
1.while applying EC, we have to submit the attested copy of address proof, property details and its title details and the fees for that certificate.
2. The officer will inspect the property in specific period.
3.WE can get the EC within 15 to 30 days from the date of submission of the application.
What you’ll find in the EC?
EC can by issued by the registration office which is related to immovable property.
It shows all transactions belongs to the property that have been recorded in the Register office.
We can also get the EC for specific period and the transactions related to that specific period.
EC will shows only those transactions and documents that have been registered in the register office.
Completion and Occupancy Certificates:
An EC contains a Completion Certificate (CC) or Occupancy Certificate (OC).
A Completion Certificate is issued by the local authority to a builder which shows the completion of construction of a building according to the building plan.
Once the Completion Certificate is obtained, then the Occupancy Certificate or the Possession Certificate can be issue by the local municipal authorities which shows the declaration of no objection to construct the building.
How to apply encumbrance Certificate online?
Step 1: Firstly, we need to register our self in the website. We can sign in directly with the login details and access the services, if we already have the account
Step 2: While signing up, we have to provide the details such as username, password, address, identification number (PAN/Aadhaar/driving licence/others) and contact details. After this we will receive an OTP on the contact number to Complete the sign-up.
You will receive the following screen Once you signing up
Step 3: After this we will get the verification link from the authority to the registered email id.
Step 4: Once they verified then details, then we can sign in.
Step 5: Now we can go to ‘E-services’ tab on the homepage then select Encumbrance Certificate and then select Search and apply EC.
Step 6: In this page, we have to fill the required details like district, sub register office, zone, EC time, survey details, home details, etc
Once we filed these details, we have to enter the captcha and click on search to search for the EC.
Step 7: All the documents related to the details what we have entered will be displayed. Then we have to Proceed to ‘Apply Online’.
Step 8: In this page, we have to Enter your name, contact details and save it and then proceed to pay.
Step 9: In this page we can see the payment details and select the pay option to go to the e-payment screen.
Step 10: In the e-payment section, we have to enter the details like name, address, sub-registrar office etc.
Step 11: The we have to select for the bank where we wish to make the e-payment from and then click pay.
Step 12: Once your payment is successful, then we will get the bank reference number, CIN number and transaction ID. We have to keep these details handy. Once the payment is done, then the sub register will approve the application. Then the encumbrance certificate will be sent to the user’s login with a QR code and a digital signature of the sub-registrar affixed in the end of all the pages, including this we will receive the SMS notification.
Then we can view the digitally signed EC in the webpage under ‘E-services’ then select encumbrance certificate then select Request List.
How to search Encumbrance Certificate?
Step 1: Go to the official website of the IGRS (Inspector General of Registration) which is Tamil Nadu official website.
Step 2: At the bottom of the page, we have various services, from there we have to select ‘ENCUMBRANCE CERTIFICATE’, then select apply for an EC online. We can also get this on the ‘e-services’ tab on the home page it will also direct us to the same window.
Step 3: It will directed to the page where we fill the details such as zone, district, sub-registrar office, EC start and end date, survey details such as village, survey number and subdivision number etc then we have to enter the captcha to confirm and search for your EC.
Step 4: Then we have to select ‘document-wise’ option on the above screen. It will ask for details such as sub-registrar office, document number, year and document type etc, once filled those details then we have to enter the captcha to proceed further.
If we wish to know the data availability specific period for an encumbrance certificate, then we have to mention the specific date and then click on search.
It will show the document related to the details which we provided above.