An encumbrance certificate is a legally issued paper or document that certifies that a property is free of all financial and legal obligations. Aside from that, it displays the property’s condition and the total number and details of its previous owners. It also contains information on previous ownership transfers and all of the property’s mortgage obligations.
An EC for a specific time period contains a list of all registered developments associated with the property that occurred during that time period. An Encumbrance Certificate of a property can be obtained for a period of up to 30 years.Â
Note that if you request an EC for a specified time period, you will only receive the details for that time period. The subtleties will come from the register areas that can be accessed through the sub-register.
