How to Get Encumbrance Certificate (EC) in Tamilnadu

Encumbrance Certificate or EC is an important property document that provides references to any liabilities in the form of a mortgage or a loan against the property, that has not been cleared. Encumbrance certificate also contains details of all the transactions in a property. Before purchasing a property, it is important to obtain the encumbrance certificate and ensure there are no hidden liabilities. In this article, we look at the procedure for obtaining Encumbrance Certificate in Tamilnadu.

Encumbrance Certificate (EC)

Encumbrance Certificate is required for those purchasing a property and for those applying for a loan against property. EC contains all the transactions registered with the Registration Department, relating to a particular property for a certain period. Hence, EC helps a person ascertain the commercial transactions that happened to a property over a long period of time, as per Government record. Typically, banks and financial institutions request the borrower to furnish 10-15 years of EC. In some cases, this can also be extended for up to 30 years.

Online Encumbrance Certificate in Tamilnadu

In Tamilnadu, application for obtaining EC for a property can be submitted online through the Tamilnadu Registration Department website. EC can be obtained in Tamilnadu, within a week of application. The computerisation of EC records has made the entire process easy and fast. The following information must be submitted by the applicant to obtain EC:

Applicant Information
- Name
- Email
- Phone for which EC is required
- Address
Property address details for which EC is required
- Street Name
- Village
- Zone
- Sub-Registrar Office
- District
Property details
- Old Door No.
- New Door No.
- Plot No.
- Extent
- Boundaries
- Survey No.
- Ward
- Block
- Division

In addition to the above, the details of the time frame for which EC is required can be mentioned to obtain encumbrance certificate in Tamilnadu. In case one wants to contact a property Lawyer in Tamilnadu, visit IndiaFilings.com

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Frequently Asked Questions

Common questions about Encumbrance Certificate Application Tamilnadu Service.

An Encumbrance Certificate (EC) is a legal document that provides details of any outstanding liabilities, such as mortgages or loans, against a property. It also contains a record of all the transactions related to the property over a specific period.

An Encumbrance Certificate is crucial when purchasing a property because it helps the buyer ensure that there are no hidden liabilities or encumbrances attached to the property. It provides a comprehensive record of the property's transaction history, allowing the buyer to make an informed decision.

According to the article, in Tamil Nadu, an Encumbrance Certificate can be obtained within a week of submitting the application online through the Tamil Nadu Registration Department website. The computerization of EC records has streamlined the process, making it fast and efficient.

To apply for an Encumbrance Certificate online in Tamil Nadu, the applicant must provide their personal information (name, email, phone number), the property address details (street name, village, zone, sub-registrar office, district), and the property details (old and new door numbers, plot number, extent, boundaries, survey number, ward, block, division).

Yes, the article mentions that when applying for an Encumbrance Certificate in Tamil Nadu, the applicant can mention the time frame for which they require the certificate. This allows them to obtain a comprehensive record of the property's transactions over the desired period.

No, an Encumbrance Certificate is also required when applying for a loan against a property. Banks and financial institutions typically request the borrower to furnish an Encumbrance Certificate covering a period of 10-15 years, or in some cases, up to 30 years.

The computerization of Encumbrance Certificate (EC) records in Tamil Nadu has made the entire process of obtaining an EC easy and fast. It has streamlined the application and retrieval of EC records, allowing applicants to receive their certificates within a week of submitting their application online.

When applying for an Encumbrance Certificate in Tamil Nadu, the applicant must provide the boundaries of the property, as well as the survey number, ward, block, and division details of the land parcel.

Yes, the article mentions that when applying for an Encumbrance Certificate in Tamil Nadu, the applicant can specify the time frame for which they require the certificate. This allows them to obtain a record of the property's transactions for a desired period in the past.

No, the article does not mention the requirement of obtaining an Encumbrance Certificate through a lawyer or legal professional. In Tamil Nadu, the application for an Encumbrance Certificate can be submitted online directly through the Tamil Nadu Registration Department website.