EC Telangana- Encumbrance Certificate Step By Step Guide For Online

 EC Telangana- Encumbrance Certificate Step By Step Guide For Online, Buying a house is a dream and most important investment an individual wishes to make in life. Whenever a buyer plans to buy a home, there are lot many things to know and understand beforehand. A wrong decision can lead you in trouble and risk of losing the money as well. Being cautious while making an investment in real estate is vital.

When looking to buy a house, you must take into account the' Encumbrance Certificate' (EC). We know many are not aware of this term but it is essential for you to understand at the time of property purchase. Let us know in detail the importance of the Encumbrance Certificate in property transactions.

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What is the Encumbrance Certificate?

Encumbrance Certificate is a major required document that a buyer needs and is used for real estate transactions. EC is a written document that there is a free title or ownership of the property for sale mentioned.

Therefore, a smart buyer should check when purchasing a house whether the building is free of legal or financial liability. This certificate ensures that an individual is fully owned and there is no right of the second entity.

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What Are The Importance of Encumbrance Certificate Telangana?

Encumbrance Certificate holds chief importance mentioned below:

1. EC Telangana is required when you want to buy a house by applying for a loan or sell a house.

2. This certificate contains all the transactions registered for a property during a particular time period.

3. This Telangana EC Search informs you if there are any claims or encumbrances on the property.

4. Financial Institutions like banks and others require 10-15 years of EC Telangana on the house for sale to sanction a loan.

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What Are The Steps To Obtain The Encumbrance Certificate (EC)?

One can easily obtain an EC Telangana by following the simple steps:

The application should be submitted to the Sub-Registrar’s office, under which the property is registered at Telangana Registration EC.

At present, EC is issued in the states such as Andhra Pradesh and Telangana, Tamil Nadu, Kerala, Gujarat, Karnataka, Odisha, and Pondicherry.

Unlike Telangana in the other states of India, one must apply to obtain EC using Form 22 manually. Not only application will be submitted but with that you must provide the attested copy of your residential property address and the purpose for which the Encumbrance Certificate is required at the Telangana Registration EC Sub-Registrar’s office.

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The application has to be filled completely and will include details like Survey Number, house/ property address, the period for which Telangana Encumbrance is required, and a full description of the house/ property, Telangana Stamps and Registration.

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There is a fee that needs to be paid with the application form and the amount of fee varies according to the period of encumbrance. The EC is given in the regional language only and you must pay an additional fee if you want the Telangana Encumbrance to be translated in any other language.

Now, the concerned authorised officer-in-charge will further check the application and process it by checking the entries available in his office. After that, he will issue a TS EC (Form 15 or Form 16) within 15-30 days of the date of receiving the application for the property purchased.

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Understanding Form 15 and Form 16

Form 16 shows nil encumbrances and is issued if the property does not have any property dues during the given period.

Form No. 15 will be issued, if the flat or apartment for sale has encumbrance such as gift, partition, lease and mortgage, the parties involved, the registered number of the document, Telangana Stamps and Registration, and other details in a date-wise manner.

The details will be given from the entries available in the register available with the sub-registrar.

To know the complete proof of ownership of the house for sale, the buyer must obtain the possession certificate in addition to the EC Telangana.

The Encumbrance Certificate Telangana is an important document used for buying property or land in India and Telangana Stamps and Registration. It is an evidence of ownership title. To transfer the property, EC is required compulsory and without it the transfer cannot take place.

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To apply a loan for the purchase of property in any bank or financial institution, you have to furnish the Encumbrance Certificate Telangana to confirm the property is free from any other debts. It is an important Certificate to get changes to the property done.

This certificate must be provided to the related Village or Panchayathi Officer in your area to update the land tax records. EC Telangana is an important document that helps to withdraw the Provident Fund (PF) for a property purchase or house construction.

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Key Points of Encumbrance Certificate

An Encumbrance Certificate is a main document that contains the following:

1. The name of the property owner is mentioned.

2. EC Telangana usually is validated for a specific time period, and transactions related to a property relevant to that period alone will be considered.

3. The transactions and documents that have been registered with the office alone will be reflected in the EC Telangana.

4. Transactions recorded at the sub-registrar’s office exclude documents like short-term lease and document of testamentary because under the law they are not necessary to register.

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5. The transactions recorded with the sub-registrar’s office include sale deed, partition deed, release deed, gift deed, settlement deed, mortgage deed, mortgage discharge receipt, and court attachment orders.

6. The transaction details will be listed in serial order for the specific period.

7. The TS EC contains the date and details of the transactions, volume number, book number, document numbers, and names of the parties in the transaction.

8. This document provides a complete description of the property as provided in the Sale Deed.

9. If you buy real estate or land on loan, then this certificate will contain the mortgage details.

What Documents Are Required For Obtaining Encumbrance Certificate?

The lists of documents that are required for obtaining the EC are: 

Attested copy of your address, Photo of any previously executed deed of the property (sale deed, partition gift deed, etc.), Details about the property, registered deed number with date, volume/CD number, and signature of the applicant should be affixed.

What Are The Charges To Be Paid To Get An Encumbrance Certificate?

The charges to be paid to get the TS EC (Telangana Encumbrance Certificate) are given below.

The service charges to be provided by the applicant are Rs 25, and the applicant must also pay legal fees.

These payments vary as per the age of the applicant.

The age of the applicant is below 30 years, then he/she has to remit charges are Rs 200.

The age of the applicant is 30 or above 30 years, then he/she has to pay Rs 500.

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Step by Step Procedure for Online Encumbrance Certificate

Below the given steps helps you to apply for Encumbrance Certificate Telangana.

Step 1: The applicant has to visit the official website of the Meeseva portal.

Step 2: You will land on the homepage of the portal then click on the Government Forms.

Step 3: Click on Meeseva services from the displayed list of services.

Step 4: You can view the list of departments from that you can register for Encumbrance Certificate Telangana.

Step 5: After that, you can download the EC from the portal.

Step 6: Fill the application form with the necessary details which include the name of the owner of the property, Sale / Purchase deed of the property, etc. The application form should be filled with the right details and attach the correct documents.

Step 7: Submit your correctly filled application form at the nearest Meeseva center of your area and pay the specified fee.

Step 8: After the submission, the applicant will be provided with an acknowledgment slip for further reference.

Step 9: Later, the concerned officer will check your submitted documents and verifies, the application will be forwarded to the Sub Registrar Office.

Step 10: After verification, the concerned officer will forward the status to the Meeseva center and you’re mobile through SMS.

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Where do I get the Encumbrance Certificate?

The Telangana Encumbrance Certificate is a legal document that records the situation in which specific property is located, according to the writing and documents existing in the archives of the Public Registry of Property.

This document contains the description of a property to certify that it has no lien, bond, mortgage or seizure.

It can be requested when it is necessary to prove the situation in which your property is located in the Public Registry of Property where your deed has been registered. Any legal person can request your EC Telangana. It will be valid for a specific time and takes approximately six business days.

To obtain your certificate, you must go to the corresponding registry office of the state and fill out the application with the registration details of the property and cover the respective rights of each property depending on the office. You have to also check for the Telangana Stamps and Registration.

What is the Purpose of Encumbrance Certificate?

The purpose of the EC is to substantiate the situation of the building, by means of a public document that includes the specific description of either a residential or commercial property, in which it is mentioned whether it has or not has a lien. That is, it tells us if the apartment or house has or not has guaranteeing debt and if there are rights that prevent taking full advantage of the property.

This certificate can be presented to any person to authenticate that the property is not subject to any of the limitations. So it is a usual procedure, and in some cases necessary, to do things that have to do with the property to buy/sell it, request a mortgage loan, donate the building, etc.

What is the Procedure to Get EC offline?

You can opt for getting the EC offline through Form No. 22, for obtaining it follow the steps:

There is a need to affix Rs 2 non judicial stamp on the application.

The applicant has to provide complete residential address and the reason for which the certificate is required.

The survey number and the location where the property is located must be given. The timeframe, complete description of the land, measurements and property boundaries are also important to mention. (Your lender can need an EC statement for 10 to 15 years if you are applying for a home loan.)

Attach the copies of your proof of ID and proof of residential address.

Provide the forms to the officer concerned at the Sub-Registrar Office (SRO)

You need to pay the mandatory fees as per required. The EC fee is dependent on the number of years you would like to obtain the EC. Kindly remember that it is often known that a fraction of a year is a full year. (EC shall be issued from the start of the financial year, i.e. from 1 April)

Every state has decided on their own fees and it is not high but nominal. The 'search charge' may be in the range of Rs 15 to Rs 50 for the first year and there may be payments in the range of Rs 5 to Rs 10 for each additional year (approx).

With exception of a few states, in India, encumbrance certificates are often physically issued. Andhra Pradesh, Odisha, Kerala, Puducherry, Tamil Nadu, and Telangana are states which issue encumbrance certificates online.

The time it takes to receive the EC statement is around 10 to 30 days.

Benefits of Encumbrance Certificate

If a buyer won’t an EC Telangana, then the banks are likely to deny home loan against property in Hyderabad or other states.

This helps in showing your legal rights over the property in the future and always making you a legal owner. Disbursal of a home loan becomes easier after showing an Encumbrance Certificate as it proves that the property you are buying is debt-free. Thus, whenever buying a property, an EC is significant to hold for the buyer.

Difference Between Encumbrance Certificate And Occupancy Certificate

An occupancy certificate is one that makes you eligible for various civic amenities include sewer, water pipeline, electricity and more. But, it will not declare the particular property is debt-free.

On the other hand, an Encumbrance Certificate should be taken from the seller to get an official acknowledgement that the particular property you are buying is debt-free.

Are you searching to buy the best home within your budget? Make your property search a hassle-free experience with exploring detailed information of all residential properties at one place.

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