Types of Encumbrance Certificates. An Encumbrance Certificate consists of all the. The Will would be registered in the book IV of. DR — Donor. Buyers can get an Encumbrance Certificate online at the official website of the respective State’s land registration where the property is situated. An encumbrance certificate (EC) is issued by the state’s local registrar. 2 stamp paper , an attested copy of the address. A homebuyer needs an EC to achieve legal title and qualify for most bank and financial institution loans for or against the property. Details older than that can also be demanded. Use its powerful functionality with a simple-to-use intuitive interface to fill out Non encumbrance certificate pdf online, e-sign them, and quickly share them. Encumbrance Certificate (EC) is an important document to check before proceeding to buy a property in Telangana. 04. It is issued when a property does not have any registered encumbrances standing against it. The encumbrance certificate is a vital document to show that the said land belongs to the particular person and there is no litigation in ownership. Step 6: You will be required to fill in the following details: Location: Zone, district, sub-registrar office. An encumbrance is a financial or non-financial obligation made over a property by a non-owner. Process for applying for an encumbrance certificate online? What are the uses of an. state fact clearly to get proper reply. Status/Download Details Window. Encumbrance Certificate. certificates. State 1: Go to the official website. An Encumbrance certificate is used as proof of property ownership and is an essential document during property transfer. It takes the online applicant to the Home Page of the Portal. Printing and scanning is no longer the best way to manage documents. In 2021, the Government of Bihar revised the fees amount for obtaining an Encumbrance Certificate. Step 4 – Submit this form with a ₹2 stamp paper, specified documents. Encumbrance certificate is a proof of complete ownership on the property. A non-judicial stamp of Rs 2 has to be affixed on the application form. Now, tick on the select all option and press the submit tab. Complete Encumbrance Certificate in just several clicks by following the recommendations below: Select the template you need in the collection of legal form samples. Visit the State’s Registration and Stamps Department Official Portal. This certificate provides transparency regarding any existing mortgages, liens, or legal disputes associated with the property. Form 15 and Form 16 are two examples of encumbrance certificates that buyers need to submit to the financial institution or bank offering loans on property purchases. OnDifferent Types of Encumbrance Certificates. 1. Now, from the public online service tab, select the encumbrance certificate option for online service. On the Encumbrance Certificate, you will find a history of all transactions that have been recorded with the state government, for that given. When buying a house, flat or plot, it is. If you are a graduate of an accredited dental program, have successfully completed a Qualifying or Dental. This certificate will also list the present owners and the number of owners the land. Einem Encumbrance Certificate (EC) is evidence the a property's free possession. ఈ డీడ్’లో DR – Donor అంటే దాత, ఎటువంటి లాభాపేక్ష లేకుండా ఆస్తిని తనకు నచ్చిన వారికి ఇచ్చే వ్యక్తి, అదే DE – Donee గ్రహీత, ఉచితంగా లేదా బహుమానం. Select the Unsigned Certificate and press search. 3) Now Encumbrance Certificate Application Request Screen will be displayed as depicted in Figure3. The steps to track the status of your encumbrance certificate application are: Step 1: Visit the Kaveri Online Services portal at Step 2: Login with your credentials. Step 2: Click on “ Government forms ” which is on the homepage of the portal. Hi, Can someone please let me know what is the full form of (DR), (DE) in "STATEMENT OF ENCUMBERANCE ON PROPERTY". Sub: Application for Encumbrance Certificate (EC) of the Property With reference to the subject mentioned above, I would like to apply for the Encumbrance Certificate (EC) for the following house property. However, citizens who need ink signed Encumbrance certificate should approach SRO concern. It is a proof that your property is free from any monetary or legal dues. Image 2 Assam Non – Encumbrance Certificate. The encumbrance certificate is important while applying for mortgage loan, selling land and for joint development etc. Encumbrance Certificate (EC): A legal document that certifies a piece of property is unencumbered by debts or obligations is known as an encumbrance certificate. Also if an immovable property is released, can it be sold. 67 (in Lakhs) Encumbrance CertificatesAn encumbrance certificate in itself is the proof that the property is free of disputes and has a free title. A Non-Encumbrance Certificate is a legally binding document that certifies that a property is free of all legal and financial obligations. _____ of this office have been consulted and there is no entry showing any encumbrance on property i. It is important to get this certificate if you plan to buy the property, take out a home loan for it or take a loan against it. Form 15 discloses: Nature of charges created Documents registered in respect of the property Amounts secured Registered numbers of the documents Registration details and. Kerala Registration Department Website Homepage. Look up in Linguee; Suggest as a translation of "encumbrance certificate". Click on the option. Hence for all practical purposes both are same. Click on the “Submit”. How to Obtain a Certificate of Encumbrance? The procedures required for applying for an Encumbrance Certificate vary by state. In the case of certified copy furnish the following particulars also. Here is a step-by-step guide on how you can search encumbrance certificate online AP:-. Proposal 4. The Encumbrance Certificate is a document issued by the local sub-registrar’s office, under whose. An encumbrance refers to any charge created on any asset, more often utilized in the context of land. This application will be accompanied with Rs. Aware of the paperwork required for encumbrance certificate applicationStep 2: Log in to the Karnataka Kaveri portal using your Login Name and Password. It contains the details of all the transactions related to the property for a specified period of time, usually 13 to 30 years. Application form for applying for Encumbrance Certificate (EC) / Certificate Copy (CC) from the Registration Department. Step 4: Send this application along with a 2-stamp piece of paper. Follow the following procedure to obtain an EC in Delhi –. An encumbrance is an interest in a property by someone other than the property's owner. A third party, including a mortgage lender, might contest the ownership of a property with an encumbrance. ”. The citizens of Andhra Pradesh can avail Encumbrance Certificate online from the website developed by the Registration and Stamps Department, Government of. An encumbrance is a restriction on the use of funds. It is important to verify. Following are the steps to track EC Status Online: Step 1: Visit the official website. An Encumbrance Certificate (EC) is a document that certifies that a property is free from any legal or financial liabilities, such as mortgages, loans, and pending dues. Year Book & Page. Then the respective Taluka, Village Name, and Hobli will be displayed. The Statement of Encumbrance of Property will open on your screen, where you can check your Personal details, Application Number, Statement Number. Andhra Pradesh has different stamp duty rates for different types of. Step 3: To see IGRS AP registration details of your property using document number, fill the following details. We provide assistance to get FORM 16 or Nil Encumbrance Certificate (EC) To opt for our service, please write to us pgnproperties@gmail. The Encumbrance Certificate is a legal document that will inform you of any financial or legal encumbrances on the property. Enter the captcha, enter the Transaction ID you provided when you submitted the application, then click “Check Status”. There are two types of encumbrances certificates, namely. A few conditions in the United jurisdictions permit online applications for an EC. 05. This application will be accompanied with Rs. EX — Executant. The key documents are thoroughly explained in this article. 67 (in Lakhs) Encumbrance CertificatesTo obtain a non-encumbrance certificate, the buyer needs to follow these steps: Fill out Form 22, providing details about the property and the certificate. in. Enter all the required fields on the application for encumbrance certificate window, then click save/update. Form 22. Encumbrance Certificate in Andhra Pradesh. Step2: Then from the displayed tab select the Districts and Area Name. 2 stamp paper, an attested copy of the address proof, the purpose of why the certificate requirement, and the details of the property and the title. ME or the mortgagee, is the lender who has lent a certain amount to MR, or the Mortgagor. Online EC is available for transaction post 01-01-1983 only. Next, click on submit after reading all the instructions carefully. No encumbrance certificate (NEC) is a document that is issued by a government authority, usually a registrar or sub-registrar of a particular jurisdiction, which states that a property, such as land, is free from any kind of encumbrance or debt. The encumbrance certificate will be issued by the sub-registrar office (SRO) as Form 15 or Form 16. What details are contained in EC? Why it is necessary when you buy or sell a property? What are the limitation. The EC for a property can be obtained from the sub-registrar’s office where the particular property has been registered. Encumbrance certificate is a legal document that includes registered transactions related to a property. Apply for Encumbrance Certificate. Applying for Encumbrance through IGRS – Online. STEP 3: Click on the “Submit Application for EC” menu. ”. this is called encumbrance […]An encumbrance certificate in Andhra Pradesh can be obtained online through the IGRS website. g. 2. Collect the application form for encumbrance certificate. NDECC®. The encumbrance certificate is recorded in the government’s database of encumbrances. These two types are classified based on specific reasons and circumstances. 3. An Encumbrance Certificate or EC is a certificate of assurance that the property in question is free from any legal or monetary liability such as a mortgage or an uncleared loan. Below E-Service Option tap on Encumbrance Certificate> Choose view EC. It also ensures that the buyer has complete ownership of the property, and if you notice any charges on the EC, it must be rectified before final purchase. It serves as legitimate proof of ownership and Title of the concerned property. For example, an Encumbrance Certificate Pune might reveal whether the owner had pledged it to a financial institution. Encumbrance Certificate User Manual[Citizen User] Encumbrance Certificate - Search by Name User Manual[Citizen User] Encumbrance Certificate User Manual[Department User] Certified Copy User Manual[Citizen User] Certified Copy User Manual[Department User] User Registration; Unlock Account; eSign Validation ProcessStep 2 to apply for an Encumbrance Certificate online Telangana. July 1, 2010. Summary: Encumbrance Certificate helps show that a property is free of liabilities. Encumbrance Certificate is an valued document among all the property documents or land documents. gov. A non-encumbrance. Step 3: The Applicant can do a search by using the Document Number of the property or by the location of the Property. According to Section 17 of the Indian Law,you can apply for a Correction Deed to rectify mistakes in EC. No No. It describes who each individual is and what role they play. Legal and Financial Transparency: An Encumbrance Certificate provides vital information regarding a property’s legal and financial status. 'Encumbrance' here means any outstanding loans, claims, or faulty registration on the property. An encumbrance certificate is also used in real estate when there is a claim against a. Hover your anchor on the “Certificate” option in the top navigation bar and select ‘Encumbrance Certificate” from the dropdown menu. Edit. Step 1: Go to the state government website and download ‘Form 22’ for the application of the Encumbrance Certificate. Registration (Current Financial Year) Application Processed (Count) Revenue Collected (in Rs. Legal charges could mean legal proceedings being carried out against the property, while monetary charges could be a loan still being paid. The certificate of funds availability must be signed by the agency’s/department’s designated approver after ensuring that funds are available. Step 4 – Pay the fees applicable as per the set period of encumbrance. Encumbrance Certificates can be obtained from Registrar and Sub Registrar Offices in Andhra Pradesh and Telangana. Step 2: Select Online EC option from the homepage. This certificate will also list the present owners and the number of. Here's a step-by-step process to show you how you can search for Tamil Nadu encumbrance certificate. DE — Donee. Affidavit of the applicant about the ownership of the. Encumbrance certificate in Bangalore is a document issued by the sub-registrar's office which reflects these encumbrances on a particular property in a chronological order. ME MR in Encumbrance Certificate. Encumbrance Certificate on Form No. An Encumbrance Certificate is an important document that verifies the legal and monetary status of a property. 420, Book No. Each line or row in an EC is the summary of all property transactions. This blog aims to provide a comprehensive guide on how and where to. This application form can also be obtained from the nearest registrar or sub-registrar’s office. No standard legal abbreviation, Discuss with the person who issued it. When I enquired for an encumbrance certificate, there was no response from the authorities. An encumbrance certificate or EC is a certificate of assurance, which states that the property in question is free from any legal or monetary liability, and. Click on the EC option, and the Encumbrance Certificate Telangana will get downloaded. It shows that a property is free from legal and monetary charges. Step 1 – Visit the Sub Registrar’s office under whose jurisdiction the particular property falls. Encumbrance certificate contains details of all transactions done on the specific property. Terms used in Encumbrance Certificate (EC) / TERMS USED IN STATEMENT OF ENCUMBRANCE ON PROPERTY. How to get an Encumbrance Certificate? • To acquire encumbrance certificate, you wish to submit form №22 (application for EC). July 1, 2010. If you need a digital verified copy of Encumbrance Certificate, then you would have to pay the fee and the same will be made available for you. Click on the EC option, and the Encumbrance Certificate Telangana will get downloaded. Issued by the Government of Telangana, IGRS Telangana EC serves as evidence that you have complete and unquestioned authority and control. The EC document is instrumental in finding out if the property has any legal or financial encumbrances and is a critical part of the process of buying or selling. Encumbrance: An encumbrance is a claim against a property by a party that is not the owner. Form 16: A nil-encumbrance. The purpose of the NDECC is to assess the clinical competence of dentists trained in non-accredited programs. Whether you’re a buyer, seller, or simply a curious individual, understanding encumbrance certificates is vital in making informed decisions and avoiding legal complications. Samanantar. EC that stands for Encumbrance Certificate is a legal document used as a proof of free possession or title of ownership of a property. Encumbrance certificate certifies that there are no dues on the property, and the ownership of the property is clear and marketable. Step 4: Enter the required details including the registration number, SRO number, etc. The process for obtaining an EC online through the IGRS website is as follows: Go to the Andhra Pradesh Registration and Stamp Department official webpage. A non encumbrance certificate is a legal deed that shows whether a particular property is free from any kind of legal and financial liabilities or not. Complete all the needed fields on the "application for encumbrance certificate" window, then click save/update. Step 1: Visit your local Sub-Registrar’s Office and fill out Form 22 with all relevant information, such as the seller’s name, the buyer’s name, the property’s details, the document type, and so on. Encumbrance means a liability or a burden. Encumbrance certificate form pdf. It serves as legitimate proof of ownership and Title of the concerned property. To ensure that the property you are buying hasn't been pledged to a financial institution or. Encumbrance Certificate (EC) is a document issued by the Registration Department. Form 15 – This is the property Encumbrance Certificate and will hold details regarding date of sale, lease, mortgage, partition, release, if the property is a gift, if there is second party involvement, etc. Application for Encumbrance Certificate. Similarly, an incumbency certificate template is a document that officially recognizes the existing key management officers within a company. Step 4: Once the certified copy of the Encumbrance. The Encumbrance Certificate is important to any party that will be financially involved with the property, including the potential buyers and financial agencies providing loans on or against the property etc. There are mainly two types of ECs, these are: Form 15: One can get an encumbrance certificate from the sub-registrar's office of the region on Form 15 if a land/property has any legal liability for the duration of the period for which the applicant has required a certificate. ME MR in Encumbrance Certificate. ) Documents Registered : 76,651: 42,965. Registration (Current Financial Year) Application Processed (Count) Revenue Collected (in Rs. Step 3 – Fill in this form with correct personal and property details. Till date, computerised encumbrance certificate extracts are issued only in seven States in India: - Andhra Pradesh & Telangana – 01. Form 15: If a property has any transaction relating to inheritance, sale, purchase, lease, loan, gifting, relinquishment, or partition, the SRO issues an encumbrance on Form 15. Therefore EC is required for the transfer of property. It addresses hindrances in the real estate domain and other contexts. Encumbrance accounting, also known as commitment accounting, tracks anticipated spending to budgeted amounts. Terms used in Encumbrance Certificate (EC) / TERMS USED IN STATEMENT OF ENCUMBRANCE ON PROPERTY. pdf), Text File (. Online EC. This document is not just required to quench buyers’ anxiety, but it is a necessary document in case of Home Loans, Provident Fund (PF) Withdrawal or Property Mutation, etc. It will also note other board members and corporate officers. C. On the Encumbrance Certificate, you will find a history of all transactions that have been recorded with the state government, for that given. The Encumbrance Certificate is a document issued by the local sub-registrar’s office, under whose jurisdiction the property lies. To obtain EC, you need to submit Form No. Lenders require borrowers to present an encumbrance certificate during the loan. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. IGRS AP :-The Encumbrance Certificate has been launched by the concerned authorities of the state of Andhra Pradesh so that the property owners can collect all their details in one place. Step 5: Click on Submit. House details:. We provide end-to-end assistance to obtain the FORM 15 encumbrance certificate. The value of a certificate of encumbrance cannot be emphasised enough. An encumbrance certificate is a certificate that is important while applying for a mortgage loan, selling land, and joint development, etc. What Is A Non-Encumbrance Certificate? An NEC, or a non-encumbrance certificate is issued to ensure that there is no encumbrance on the property that a person is offering to the bank as security. Essentially, an EC can track records of up to 30 years. Click on ‘View EC’. Name of the claimant --. The applicant must go to the Delhi Government's e-District portal, edistrict. § 55. This form is available on the respective state’s official land registration site. sale deed, GPA etc. When buying a house, flat or plot, it is important to verify that the property does not have any monetary or legal dues. Ownership and encumbrance report. Step 3: From the drop-down, select Document Number. gov. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. To obtain an encumbrance certificate, one has to follow these procedures : An application is to be made to the registrar for obtaining the certificate in Form 22. Image 1 Assam Non – Encumbrance Certificate. Thus, an EC is always issued for a particular land. The encumbrance certificate helps settle any claims if a particular property is free from legal and financial dispute. It provides a record of all the transactions that have taken place on the property, including any loans that the owner has taken against it or any legal disputes that the. Steps to Avail a Non Encumbrance Certificate Online and Offline. Step 1: Approach Sub Registrar Office. Hence for all practical purposes both are same. The Source for generating encumbrance details for self-search and encumbrance certificate obtained in Sub Registrar Office is same. The certificate is used to prove ownership of the property, and contains. , and the parties executed and beneficiaries, date of transaction, amount etc will be there. 4. Encumbrance Certificate (EC) is an important document to check before proceeding to buy a property in Telangana. ) Documents Registered : 76,651: 42,965. Let’s look at questions that an encumbrance certificate will answer for you: If the previous owner has used the property as a pledge to a bank. Step 3: Under the “Registration” category, the applicant will find the “Encumbrance Certificate” link to be selected. If mortgage, sale or any other deeds in respect of an immovable property are registered, indexing will be done by the Registration Department and this indexing is ultimately converted to generate an encumbrance certificate. To do so , you would need to follow a simple process as mentioned below Submit an application on Form 22 with details of the property and purpose of the certificateHence, the Nil-encumbrance certificate is one of the main required documents that the purchaser should check while registering the purchased property. Step 2: On your home page, click on. Encumbrance refers to any claim against a. This document also proves that the property does not have any legal dues on it. It is used in public accounting to make sure that there are sufficient funds to meet certain obligations. You will find an option mentioning ‘encumbrance certificate’, select it. EC is mandatory for all property transactions and certifies that the property is free any legal or financial liabilities such as mortgages, loans, or pending litigation. It also mentions if there are any encumbrances or charges on the property, such as: If the. Suman MondalSeptember 1, 2022. All of this will have to be registered with the registration authorities and placed on record in Book I that is maintained by the registering authorities for the specific period that the certificate is being asked for. , as required. National Portal of India provides a single-window access to information and services that are electronically delivered from all Government Departments, Institutions and Organizations. Securely download your document with other editable templates, any time, with PDFfiller. Step 3: To see IGRS AP registration details of your property using document number, fill the following details. You can easily avail EC certificate by visiting the Sub-Registrar’s office. Please select the district name to reach the respective page and get the details under administrative setup Or select “About district” and then. Step 2 – Collect Form 22 of EC. The procedure to get an EC for a particular property is simple. Offline process timing will be provided by the authorities, usually, it takes 15 to 20 days. Visit the official website of the Andhra Pradesh Registration & Stamps Department. First, visit the official website of the Registration & Stamp Department, Government of Telangana given here. Encumbrance Certificate. It reflects all the monetary and non-monetary. This was the process to get the Encumbrance Certificate in Andhra. An Encumbrance Certificate (EC) is an official document that provides information about the legal and financial status of a property. outstanding or mortgaged loan). Step 3: Fill out the application form, and give your basic details, property-related. The lien remains on. Getting Your Certificate and License; How to Prepare; Withdraw; Appeals and Rescoring; Test Accommodations; Login; Specialty Certification. Step 3: Under the “Registration” category, the applicant will find the “Encumbrance Certificate” link to be selected. There are two types of ECs: Form 15 and Form 16. Request Digital EC. The sub-registrar office in whose. 10%. Owner/Seller misrepresents about it, fraudulently avoids his liability. He has mortgaged that property to the lender, or the ME. Applying for Encumbrance through IGRS – Online. It is issued by the Sub-Registrar’s Office and serves as proof of ownership, as well as any encumbrances or liabilities that may be associated with the property. registration. 2 Fill out the form with the required details. The common problem before or after purchasing any property is monetary or legal arrears on a particular property. You can apply for the Encumbrance Certificate online using the following methods-. something that makes it difficult for you to do something: 2. 1. Than Enter Captcha code in the mentioned box. Hence for all practical purposes both are same. See full list on housing. The term Encumbrance means charges and liabilities created on a property that is taken as security against a mortgage or loan as the case may be. Once submitted, the concerned authority will check the application form after verification the respective Encumbrance certificate can be collected from the relevant authority. Learn more. Encumbrance Certificate is explained in hindi. Doc. Step 2: Pay the. The first step encumbers newly entered purchase order line items into the General Ledger to help prevent overspending. Do whatever you want with a Encumbrance certificate form pdf. Provide all the required information such as your name, address, property details, and purpose for obtaining the certificate. This will prompt the applicant to proceed to download the application form for the encumbrance certificate. 1, Volume No. The online enter of the Tamil Nadu Registering Department providing you with an Encumbrance certificate, stamp duty payment, registrations for buying a. The document is needed while purchasing or selling a property or when applying for a. step 3: Select the encumbrance certificate from the certificates. Step 4: Send this application along with a 2-stamp piece of paper. Step 3: Now select the “Registration” category. Kaveri Online Encumbrance Certificate. You need to provide complete residential address and the purpose for which the certificate is required. Presently select the submit option. Check out the step-by-step. Step 4 – Submit this form with a ₹ 2 stamp paper, specified documents. An encumbrance certificate is basically a legal document that clarifies whether or not a particular property is free from legal or financial burdens. It serves as proof of ownership and indicates whether or not the property has any outstanding liabilities such as loans, mortgages or liens. It also ensures that the buyer has complete ownership of the property, and if you notice any charges on the EC, it must be rectified before final purchase. step 4: Select submit application for easy. Follow Query. Provide explicit. It is to be obtained from the Registrar Office Concerned. Step 4: Once the application form is downloaded, a printout of the same has to be taken by the applicant,. 67 (in Lakhs) Encumbrance CertificatesAfter TN eSevai registration, follow the below steps to apply for encumbrance certificate in Tamil Nadu. The page will redirect to the next page. Follow the below steps to search encumbrance certificates in Andhra Pradesh. (a) Need for an Encumbrance Certificate. Step 2: Enter details such as zone, district, sub-registrar office, EC start and end date, Village, survey number and subdivision number. Attach the required. On the next page, you will see three options to search for the Encumbrance Certificate; Document Number: You can search for the encumbrance certificate using the document number. In the world of real estate, there are different kinds of legal documents related to a building from its construction to transfer of ownership. I hereby state the following: (Place initials in applicable boxes). Be sure there are no outstanding debts on the property you intend to purchase. Following are the steps: Under the “Certificate” menu, select the “Encumbrance Certificate” menu item “EC Status”. A. ) Documents Registered : 76,651: 42,965. Step 2: Submit the following documents to the concerned government office which in this case is the registrar or sub. Click on Inspectorate General of Registration department. Avail encumbrance certificate in Bangalore. Encumbrance is a. 0 provides access to encumbrance certificates, which contain details of all transactions related to a property. Then click on “Submit Application for EC. The application can be an online application hosted on a web server, or offline desktop application, or third party applications like Adobe PDF reader, etc. The Encumbrance Certificate is an important document to purchase any land or property in India as it is a proof of ownership title. DDP — Detailed Development Plan. Choose the option to apply for EC . The encumbrance certificate is given in the your applied to keeps records at the sub-office. Click on sign-in option from home page. It is proof that the estate can be sold as an available title and that you will receive ownership without any legal complications. Currently this service is available in Departmental Login only. Once the certificate is displayed on the screen, you can download the degree in PDF. Withdrawal of Provident Fund. Step 4: Once you have downloaded the form, take out a printout. Also, you can check details like Exe. Inserting all the details click on the Submit button. Note the Transaction ID for future reference Check Status and Download Encumbrance Certificate . Based on 2. Property buyers: When purchasing a property, potential buyers may require an encumbrance certificate certificat de to ensure that the property is free from any legal or financial liabilities. eMudhra certificates can be used and relied in any online or offline applications. Step 2: Click the ‘Certificates’ tab and choose the ‘Application for Encumbrance Certificate’ option. 100/-. Types of Encumbrance Certificates. Apply online for Encumbrance Certificate. Step 3: In the next page, click on “ Meeseva services” from the list of service. On the portal's webpage, click "Apply for certificate online. MR or mortgagor, is a person who is the current owner of a property. As explained before, encumbrances, by their very nature, carry a financial risk. When applying for a home loan or obtaining a loan against a property, an encumbrance certificate is crucial. Fully Online. combined encumbrance by the promoters and PACs crosses 20% of the total share capital in the company; and b) The stock exchanges will maintain the details of listed companies having encumbrance of promoters and PACs of 20% or more of the total share capital, along with purpose of encumbrance, on their websites. The organization (or Individual) using such application is termed as Relying Party. No paper. STEP 4: Fill all the requisite details in the form and click on submit application. Some of these documents may seem similar to a layman…Step 2 – Collect the application form for EC (Form 22) from the registrar office. The encumbrance certificate is provided by the sub-registrar’s office where the particular property is registered.