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An encumbrance certificate is a legal document that is issued by the sub-registrar whose jurisdiction the property is situated in. Details regarding the ownership of the property, transactions, and other relevant information are included. Encumbrance certificates, or ECs in Tamil Nadu, are a legitimate means of establishing who is the original owner of real estate and are useful in averting court cases. When applying for a house loan or a loan secured by property, the EC is also necessary. It is required when buying or selling real estate. Encumbrance certificate is mandatory for all kinds of residential properties like apartments, villas, or plots.
Why Obtaining Encumbrance Certificate is Important?
- Acquiring an Encumbrance Certificate (EC) in Tamil Nadu serves as evidence of property ownership. It signifies that there are no liens, mortgages, or outstanding loans, among other financial or legal obligations, on the property.
- It aids in making sure there are no controversies surrounding the property you are buying. In order to confirm that the property is free from outstanding lawsuits or legal claims, the EC is essential in this process.
- Whether purchasing or selling, banks or prospective purchasers frequently need an EC to confirm the property’s ownership and legality. The EC’s confirmation that there are no encumbrances guarantees a simple and easy property transaction process.
- When submitting an application for a loan or mortgage secured by real estate, financial institutions, such as Kotak, usually demand an Encumbrance Certificate as a required document.
- In some situations, an EC is needed to apply to government agencies for legal approvals before engaging in property-related activities like building, land conversion, or property development.
- When it comes to property transfers, the EC serves as a significant document against fraudulent activity. Acquiring an Encumbrance Certificate gives purchasers peace of mind.
Eligibility Criteria to Apply for Encumbrance Certificate
To apply for an EC Online in Tamilnadu, one must have a property or financial transaction with a banking institution. If the property is being used as collateral for a loan, the financial institution would have acknowledged with the encumbrance certificate. Additionally, details regarding the individual who obtained the loan from the financial institution will be included.
Documents Required to Apply for Encumbrance Certificate
Some of the basic documents that are required to apply for Encumbrance Certificate in Tamilnadu are,
- Sale Deed or Title Deed- This is the main document that proves who owns the land and includes information about its location, size, borders, and asking price.
- Address Proof- Documents such as an Aadhaar card, passport, voter ID, or any other legitimate evidence accepted by the government could be used as proof.
- Plan for Building Approval- This document, which attests to the construction’s legality and local government approval, is necessary for properties that have been built upon or altered. If you are buying a plot, you do not need to have such a document. It is necessary if you are planning to build on your plot of land or if you are buying an independent home or apartment.
- Tax Receipts- Property tax receipts stand as a proof for regular paymenrt of property taxes.
- Power of Attorney- If the property is being registered on someone else’s behalf, this paperwork is necessary. Once more, if there is no involvement from a third party, this document is not required.
Encumbrance Certificate Application Process
Encumbrance certificate in Tamilnadu can be obtained by both online and offline modes.
How to Apply for Encumbrance Certificate Online in Tamil Nadu?
TNREGINET platform makes it easy to apply for an Encumbrance Certificate (EC) in Tamil Nadu. To start the application, take these actions:
- Start by creating an account on TNREGINET. Enter your address, identity number (PAN, Aadhaar, or driver’s license), username, password, and other required information when registering if you’re a new user. Using the OTP that was delivered to the registered phone number, confirm the details you provided.
- Use your login information to access the TNREGINET portal after registering.
- Select “Search and apply EC” under the “Encumbrance Certificate” section on the E-Services.
- Provide all relevant information, such as the address (Zone, district, sub-registrar office), the start and finish dates of the EC, survey specifics, home specifics, and other facts.
- Once the information has been entered, look for the EC. The documents that match what you entered will be shown. Go ahead and “Apply Online.”
- After entering your name and contact information, save the data. Go ahead and proceed to the payment area.
- Examine your payment information, pick a payment method, and move on to the electronic payment screen. Finish the process by entering the necessary information for the electronic payment.
- Take note of the bank reference, CIN, and transaction ID you received once the payment was successful. These specifics are crucial.
- Access the TNREGINET EC via a QR code on every page and the sub-registrar’s digital signature following data selection and clearance from the sub-registrar. Additionally, an SMS verifying the transaction will be sent to you.
Steps to Apply for Encumbrance Certificate Offline in Tamil Nadu
The process of applying for an Encumbrance Certificate (EC) offline in Tamil Nadu is simple. To get the certificate, take these actions:
- Step 1- Go to the sub-registrar’s office and turn in an application that has been properly completed together with the required paperwork. Make sure to include an attested copy of your proof of address, the specifics of the property, and any pertinent title documents.
- Step 2- Every document that is provided will be carefully examined by the sub-registrar’s office officials to ensure that it is legitimate. By taking this step, the information has been verified as true and accurate.
- Step 3- Following document verification, a comprehensive review process will be started by the appropriate authority. This entails looking into the property’s title facts and related court documents.
- Step 4- After a thorough examination, the Encumbrance Certificate will be granted. It will include a detailed list of every transaction involving the property. A Nil Encumbrance Certificate attesting to the lack of encumbrances will be produced in the event that there are no transactions.
- Step 5- After the application date, the certificate will reach you in 15 to 30 days. To find out the precise deadline, contact the sub-registrar’s office.
Encumbrance Certificate Vs Non-Encumbrance Certificate
- Encumbrance Certificate- The EC, which is issued on Form 15, contains information about the land’s leases, sales and purchases, inheritance patterns, and mortgage-related information, among other things. The certificate takes 15 to 30 days to arrive.
- Non-Encumbrance Certificate- The Non-Encumbrance Certificate, which is provided on Form 16, states that no property is mortgaged and that no one is able to claim ownership.The certificate takes 20 to 30 days to arrive.
Frequently Asked Questions
1. What is the validity of encumbrance certificate in Tamil Nadu?
An encumbrance certificated obtained in Tamil Nadu for any kinds of residential properties like apartments, villas, and plots is valid up to a period of 30 years from the date of issue.
2. How do I make changes to the encumbrance certificate?
To make changes in the encumbrance certificate you must obtain a rectification deed. You must visit the sub-registrar’s office where encumbrance certificate was issued originally.
3. How much should I pay to get an encumbrance certificate in Tamil Nadu?
The application fee for encumbrance certificated in Tamil Nadu is Rs 1 for offline more and Rs 100 for online mode. The first year’s cost of a general search is ₹15, and each additional year’s cost is ₹ 5.