Encumbrance Certificate (EC): What is Form 15, 16 and the CE Property Contains

A property has its own encumbrance-certificate which is proof of this and if you intend to buy a property, it is the EC that provides you with the details about the property from its history.

In India, if you are tasked with getting a new property to bring in, you need to get the EC of the property, and this is one of the important documents required by the owner who wants to own the property.

In addition, the EC represents a mandatory document to request any type of loan, as official proof of the existence of the property.

Also Read:
What is income tax form 16 and forms 16A, 16B? Details
Delhi Property Change Certificate Download Online
NCI Bonds: National Savings Certificate Types, Interest Rate, Calculator, and New Features

What is a Encumbrance Certificate?

The Encumbrance Certificate is briefly referred to as the EC document by each document author or property trader and the meaning of EC is a claim on the property or assets.

The footprint shows the legal property claim conferring sole ownership by the owner against said property with a history of transfer from the previous owner and if the property has been attacked by any court order, litigation, mortgage or any of these will be clearly mentioned in an EC

A Encumbrance shows a clear picture of the property, letting you know if the property is dispute-free and clearly purchase-free, and the EC can also be collected by sub-registrar officers online based on the official status portal of the government.

How to request a Encumbrance Certificate?

The EC process is very simple and anyone with the identification number or ownership details for any property can request the clutter document at the secondary registration office.

There are no restrictions on giving the EC to others, as it only reflects the details of the ownership history.

  1. Visit the local underwriting office in your area
  2. Submit a completed form No 22 with all required details in detail
  3. Two extrajudicial stamps must be affixed to the application
  4. Provide the full address of the property for which EC is required
  5. Why the EC should be mentioned in detail
  6. Survey number and property location to be provided
  7. Science details how many EC years the owner requires
  8. Proof of your ID card along with proof of residency to attach
  9. Once the application has been completed and attached to these respective details, it should be sent to the deputy registrar's office.
  10. Therefore, upon request, the EC will be generated by the SRO within 48 hours and the owner can take the EC every day after.
  11. An application fee is also applied to the EC property, which may be less than Rs 100 depending on the application fees.

In addition to the above process, many state governments have allowed EC ownership to be verified online, please check the following

Tamilnadu Certificate.


What is the authorization certificate form (15) fifteen or form no. (16) sixteen?

The size certificate is issued in form no. 15 or n. 16 from the secondary registry office, so here are the details of the Form 25 and Form 16 you received when applying for EC.

Form No. 15: The EC on form 15 has the details about lease, mortgage, sale, partition, donation, etc., and if a property is registered with these details in the registry, the form no. 15 which is primarily required by the loan buyer or provider for clear details.

Form No. 16:  This is a zero document that was issued by the secondary registry office as if the Encumbrance Certificate on the form no. 16 and clearly indicates that the property has not been the subject of a dispute or solution since it was requested from the EC, where the EC in form no. 16 is also indicated as a zero footprint certificate.

What does a EC contain?

There is important information that has been found on a property Encumbrance Certificate, and on the single sheet of paper called EC, the owner or buyer can find out all the details that have been changed or done with the property.

Please note this information below which can be easily found in a EC.
  1. The name of the applicant who requested the encumbrance-certificate.
  2. The details of the property that were requested through form no. 22 will be mentioned in detail
  3. You can see the EC period so it is certain that from this year the details are on the sheet
  4. You can see the details of the previous owner and his history with the document number
  5. The number of transactions carried out on the property will be clearly mentioned here.
  6. The names of the buyer and seller will be mentioned with the respective year and the communication address
  7. The property is in dispute or the mortgage or donation will eventually stand out clearly
  8. EC to take if you are ready to buy open land or build property for your added security

Why do we need a property authorization certificate (EC)?

If you are a new property buyer, listen to the words of someone around you. A certificate of clearance from the secondary registry office will provide you with the history of the property. So, as a new buyer, you will have a clear understanding of the cleanliness of the property and your associated ties to previous owners.

Can the property authorization certificates be changed?

No, the E-certificate is provided only by the sub-registrar, who is solely responsible for registering the property. This is documented in the government's secondary registration office and a EC does not have the ability to change it once the original document has been submitted. There may be typos with the name, but it will be clear that the document number has not been changed anywhere.

Does the banker request a Encumbrance Certificate?

Yes, if you apply for a mortgage or a home loan from a public or private bank. The important document they request is a encumbrance-certificate along with the document history.

Based on the Encumbrance Certificate provided, the connection documents with the previous owner will be requested by the banker to verify that the data mentioned in the EC are on paper with the document provided as evidence to obtain the loan sanction.

The Encumbrance Certificate requirement for the mortgage loan?

Yes, the EC is an important document that is used as proof of ownership of property. This should be an attachment if you intend to buy or sell the property, in such a way as to give the respective person a clear view of the property's title.

How long does a Encumbrance Certificate last?

For any mortgage loan or property sale, details of the last 10-15 years of the E-Certificate are required. In general, the EC owns the title from the beginning when it was owned by the first owner. Having an EC older than 15 years will give you a clear title for a bank loan and also for buying a property.
Newest Older

Related Posts

Post a Comment

Subscribe Our Newsletter