An Encumbrance Certificate (EC) in Kerala is like a property background check. It shows if there are any loans, legal problems, or other claims against the land. You need an EC before buying or selling property to make sure the deal is safe and there are no hidden issues. It helps keep land transactions in Kerala honest and hassle-free.
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Why do you need an Encumbrance Certificate (EC)?
- Proof Your Land Is Problem-Free: The EC is like a background check for your property. It shows if there are any hidden loans, legal issues, or other claims against the land.
- Safe Transactions: Before buying or selling land, always check the EC to make sure there are no surprises that could mess up the deal.
- Getting Loans: Banks usually ask for an EC before giving you a loan against your property. They want to make sure they can use the land as security.
What's inside an Encumbrance Certificate?
- Property Description: The exact location, size, and survey numbers of your land.
- Owner's Name: Who is listed as the legal owner.
- The "Catch": Any problems tied to the land, like:
- Loans or mortgages
- Court cases or disputes
- Restrictions on what you can do with the land
- Time Period: The EC shows problems for a specific time you choose (e.g., the last 10 years).
Who can get an Encumbrance Certificate?
Individuals with a legitimate interest in a specific property can obtain an Encumbrance Certificate.
- Landowners: You can get an EC for your own property.
- Buyers: If you're thinking of buying land, ask to see the seller's EC to check it's clean.
- Banks/Lenders: They'll often get an EC themselves before approving a loan.
What is the process to obtain Encumbrance Certificate Online?
- Click on "Certificate" click on Encumbrance Certificate. Fill in Captcha and Click on " Proceed".
- Fill District, SRO, Name, House Number, Mobile No and click on Save/Update.
- Select Taluk, Village and select Unit, Hectare, Boundary and Search period.
- Calculate fee, mention Name of the Property Owner, Purpose of Certificate, click on "I Agree", enter captcha and then click on Proceed to Pay.
- Click on"Submit Application".
- After submission of application, click on "Print Acknowledgement slip" having your transaction ID.
What is the process to obtain Encumbrance Certificate Offline?
How to get your EC in Kerala (offline):
- Find Your Sub-Registrar Office: This is the government office that handles land records in your area. You can search online or ask locally.
- Fill Out the Form: In Form 22 fill in your name, address, details of the property (Survey number and location)
- Submit Form, Documents, and Pay: Give the filled form to the office staff along with copies of any ownership papers and Pay the fees for EC
- Get Your Receipt: They'll give you a receipt. This is your proof that you applied, and often has a date to pick up your EC.
What fees are required to obtain an Encumbrance Certificate in Kerala?
The table provided below outlines the fees associated with obtaining an Encumbrance Certificate (EC) in Kerala:
| Head | Charges |
|---|---|
| Application Fee | ₹ 15 |
| General Search for 5 years | ₹ 105 |
| General Search for 6 to 30 years | ₹ 250 |
| General Search over 30 years | ₹ 250 plus ₹ 30 for each year exceeding 30 years |
If you want to obtain your Encumbrance Certificate in Kerala through eSahayak, we can help you out. Just click upon "Get EC Now", fill in the required details, submit your request and within 24 hours you will have your land record directly on whatsapp.
Frequently Asked Questions
2. Attested copy of address proof
3. Photocopies of previously executed property deeds (e.g., sale deeds, gift deeds)
4. Details of the property and its title
5. Signature of the applicant, along with registered deed number, date, and other relevant details
6. Purpose for obtaining the EC
7. Copy of Power of Attorney, if applicable
8. Aadhaar card can be used to obtain the property card.