Individuals planning to purchase a property need to check whether there are any legal complexities associated with the property. In this regard, an encumbrance certificate can help them know if the property has any charges against it.
The following sections will provide details regarding how to obtain how an EC online in Tamil Nadu and an overview of the same.
How to download an encumbrance certificate online in Tamil Nadu?
One can get an encumbrance certificate in Tamil Nadu online through the following steps.
- Go to the official website of the Tamil Nadu Registration department.
- Under the ‘E-services’ category, click on ‘Encumbrance certificate’ and then ‘View EC’.
- Update personal and property details as mandated on the redirected page.
- Enter the captcha and click on ‘Search’ and then ‘Apply online’.
- Provide your name and contact details in the next window. Then proceed to the payment window.
- On the E-payment screen, select a payment mode and pay the requisite fee.
After completion of payment, a transaction ID and bank reference number given. After approval from the sub-registrar, EC will be generated with a QR code and digital signature against the username. Moreover, an applicant will receive confirmation of the same.
How to get an encumbrance certificate offline in Tamil Nadu?
One can avail EC in Tamil Nadu offline by following the below-mentioned steps –
- Visit your nearest Sub-registrar office.
- Collect Form 22 of EC. Fill it with your particulars as per requirement.
- Submit this form with property details, title details, and other required documents.
- Pay the fees applicable as per the set period of encumbrance.
Knowing only how to get the encumbrance certificate in Tamil Nadu is not enough. Individuals should also know how to track the EC application status.
Steps to track EC application status
Individuals can track Tamil Nadu EC online by following the below-mentioned steps:
- Visit the official website and navigate to the Certificate section.
- Enter the transaction ID provided when you submit the application.
- Then, enter the captcha value, and after that, the certificate will be displayed on the screen. This can be downloaded in PDF format.
These are the steps to track EC application status in Tamil Nadu.
What is an encumbrance certificate?
An encumbrance certificate is a legal document issued by the sub-registrar under whom the property one buys falls. It breaks down ownership, transactions and other details regarding the property.
Further, one has to pay a nominal fee for the application. If no transactions have not been paid during this stipulated period, a NIL encumbrance certificate will be issued in the applicant’s name.
An individual can get it within 15-30 days from the date of when one has applied. Once the borrower receives their encumbrance certificate, he or she can proceed to apply for a loan against property.
Importance of encumbrance certificate
Property owners must understand the vitality of this certificate. Following are the reasons why individuals need to view EC in Tamil Nadu:
- To purchase a property
- For selling the said property
- Withdrawing from PF to finance a property
- The certificate can also be used for land mutation processes
- To prove land ownership
Before a loan against property is processed, financial institutions will be performing a legal verification of the house. Moreover, reputed financial institutions offer affordable interest rates if one meets the said eligibility parameters.
So, once individuals have this document, they can refer to the step-by-step guide to apply for a loan against property.
Furthermore, financial institutions extend pre-approved for eligible customers. This facility allows such individuals to skip the hassle of documentation and verification and avail the loan faster. It is possible due to the already established working relationship between the lender and a customer. These offers apply to various financial products, including home loans and loans against property. Borrowers can check their pre-approved offers by submitting their contact details.
Hence, it is crucial to know how to download EC online in Tamil Nadu since it authenticates land ownership and curbs any possibility of land disputes in the future.
