#309, Bay City Centre, 2nd Floor, P.H. Road, Kilpauk,
Chennai – 600 010.
Reach us at: +91 44 4050 5500 | 84282 80000
Here’s a situation.
You want to buy a house or a property. You connect with a trustworthy real estate agent. After weeks and months of searching for the perfect choice, you find one, and excitedly discuss it with your friend.
Then they ask you, “Did you check the EC of the property?”
You’re stumped. You search on the Internet. And nice! You landed here!
Let’s explore how to find the EC of your desired place within minutes online!
An Encumbrance Certificate is a legally verified document that contains the property’s current & previous ownerships and confirms that there aren’t any financial liabilities or legal dues attached. You need to conduct an EC check to ensure a hassle-free property transaction.
You also need an Encumbrance Certificate when applying for a loan to purchase the property or obtaining a loan on an existing one.
People had to visit government centres to apply for an EC in the past. It was a tedious and time-consuming process that could stretch for days. However, with technological advancement, many state governments offer these services online, making it convenient and easy to access these documents in the comfort of your home.
Here is NOVA’s step-by-step guide on checking a property’s EC online!
The initial step is to research and find the official government website. In India, each state hosts its website where you can apply for and view your Encumbrance Certificate. For example:
Tamil Nadu’s website is https://tnreginet.gov.in/
Telungana’s website is https://registration.telangana.gov.in/
Kerala’s website is https://pearl.registration.kerala.gov.in/
You can search on the internet and find the website of your state.
After you complete your registration, you need to fill out the form with the property details to acquire the Encumbrance Certificate. You will need the property’s address and survey number and choose the Sub-Registrar office. The requirements will differ depending on your state government’s website and portal.
You will be notified once the verification process is complete. You can download the Encumbrance Certificate from the portal.
Here is the important part, you need to review the certificate and its information carefully. Go through the property description, owners’ details, and other recorded transactions and encumbrances.
You can save and print the certificate for your records. Please note, it’s necessary to have digital and physical copies of the EC.
Ensure the website that you are using is authentic and officially government-authorized. Many fraudulent entities may try to obtain your information through the Internet. Be aware of them.
When you provide your personal and property details, double-check before registering, applying, and after receiving the Encumbrance Certificate. This tip will prevent any errors or discrepancies that might arise.
The rules and regulations differ from state to state. Research the regulations related to the Encumbrance Certification of properties and stay updated about any changes or updates to these.
If you have any enquiries or questions about the process, seek expert advice from trusted legal experts or property advisors. They will guide you through any complexities or uncertainties and address issues arising from property ownership.
To conclude, with the help of technology, the process of applying for an Encumbrance Certificate of a property online has become efficient and more accessible. An Encumbrance Certificate is crucial to find the property’s current & previous ownerships and confirm that there aren’t any financial liabilities or legal dues attached. It allows transparency through the different owners and ensures a hassle-free property transaction or application for loans.
By following the above steps diligently, you can successfully acquire your Encumbrance Certificate securely.
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Nova Element 5 | Ayanambakkam, Near Mogappair West Extn. |
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Nova KNT | Kundrathur |
Nova NCR (New Chennai Residency) | Urapakkam |
Nova Aradiya Nagar | Mogappair West Extension |
Nova City | Kadambathur, Tiruvallur |
For booking/inquiries, contact our team at +91-84282 80000 or 044-4050 5500.
#309, Bay City Centre, 2nd Floor, P.H. Road, Kilpauk,
Chennai – 600 010.
Reach us at: +91 44 4050 5500 | 84282 80000