Non encumbrance certificate/NEC

The “Encumbrance” means the charges or obligations produced with a specific property, whereby it is kept as a security for any legal liability of its owner which has not been discharged as on date. The encumbrance certificate includes all the transactions (financial & others) related to a specific property for a time period as required.

Documents required for Non encumbrance certificate/NEC

• Identity Proof of applicant.
• Residence Proof of applicant.
• Ownership proof of property
• Two passport size photographs of applicant

The encumbrance certificate is required in property dealings as a proof of free title/ownership. When purchasing a flat, land or house, it is essential to concur that the land or property does not have any legal dues. A probable home buyer needs to ensure that the property he / she plan to buy has a clear and viable title. The encumbrance certificate confirms that the property is not mortgaged and contains no legal charges. The encumbrance certificate for property is provided by the relevant sub registrar office where the deed has been recorded.

The encumbrance certificate is important for buying property as well as for applying Home loan or Loan against Property. Government Authorities and Financial Institution like banks etc. request 13 years of encumbrance. You can get 30 years encumbrance certificate to be checked out. If you still have any concerns, it is possible to take a Possession Certificate of the ownership of the particular property, which can be provided by the village office.

Importance: A ‘Non encumbrance certificate’ is the most important document. It is also issued for the purpose of mortgaging a property for a loan. It certifies that the property is not already mortgaged.

What is Encumbrance certificate. How to get Encumbrance certificate for 13 years in india?

Encumbrance certificate is the certificate issued by the Registrar of Properties pertaining to a particular piece of land about the transaction made during the period you apply for.

If there was sale, mortgage, Gift or other deeds etc and the parties executed and beneficiaries, date of transaction, amount etc will be there for that period. So we get history of transactions.

It is to be obtained from the Registrar Office Concerned.

At the time of selling your property or buying a new property you need to check the track of the property and verify the genuineness of your seller. Government registry enters all these details in the registrar of books. You can visit the concerned register office and file an application with a small fee. They will provide with up to date of the property details. This is called encumbrance certificate. The encumbrance certificate is to confirm that the property is still in the name of the person who is selling it.