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Advantages of Investing in Plots in 2024Encumbrance Certificates: Importance, Types, and Benefits for Property Transactions
An Encumbrance Certificate (EC) is an important document that proves a property is free from any legal or financial problems. This certificate is issued by the Department of Registration and Stamping in the state or union territory where the property is located. It is needed when you are registering ownership, selling, or transferring property. The EC is also required by banks when you apply for a home loan or a loan against your property.
What Does the Encumbrance Certificate Show?
The Encumbrance Certificate gives a history of the property, showing who owns it and listing all transactions related to it. This can include sales, purchases, loans, leases, and other changes in ownership, like inheritance. The EC can go back as far as 30 years and also include information about any legal disputes or fraud related to the property.
Why is the Encumbrance Certificate Important?
- Proof of Ownership
- The EC is a key document that proves who owns the property. If you want to buy land or a property, the EC helps ensure that no one else can claim it later. It confirms that the property is legally yours.
- Tax Records
- If property taxes haven’t been paid for more than three years, the EC is used to update the tax records with the local Panchayat or Village administrator. This keeps the property tax information accurate.
- Loan Applications
- When you apply for a loan using your property as collateral, the bank will ask for an EC. The certificate shows that the property has no legal issues, making it easier for the bank to approve the loan.
- Property Mutation
- After buying a property, you need to update the ownership records with the local municipal corporation. This process, called mutation, requires an EC to confirm the transfer of ownership.
Types of Encumbrance Certificates
There are two types of Encumbrance Certificates, which are issued by the sub-registrar office (SRO):
- Form 15:
- This form is issued when the property has had transactions like sales, purchases, loans, leases, gifts, or inheritance. It shows that the property has been involved in these transactions.
- Form 16:
• This is issued when there have been no transactions recorded for the property during the period the certificate covers. It is also known as a “nil-encumbrance certificate,” meaning there are no encumbrances (issues) on the property.
Land transactions can be a labyrinth of confusing terms, especially when checking records online. In this simplified guide, Genuine Plots unravels key terms, empowering you to make informed decisions and ensuring smooth navigation through the world of land transactions. Let's embark on this journey together, where understanding land records becomes as easy as a walk in the park.
Jamabandi
- Jamabandi serves as the Records of Rights (RoR), providing intricate details about land ownership, including information about owners and cultivators.
Nakal
- Nakal is a document that encapsulates all essential information about a piece of land, covering ownership patterns, revenues, and other pertinent details.
Khata
- Khata is a crucial revenue document that assesses a property's size, location, and build-up area. It also pinpoints the individual responsible for property tax payments.
Khasra or DAG Number
- Often referred to as DAG number, Khasra is a unique identifier assigned to a land parcel in a village. In urban areas, it corresponds to the survey number.
Khewat
- Khewat is a number assigned to landowners who collectively own a piece of land. Think of it as an account number granted to various owners of the same parcel.
Mauza
- Mauza is the term used to refer to a village, a significant geographical unit in land records.
Bainama
- Bainama is synonymous with a sale deed, providing a comprehensive transaction record.
Khatauni
- Khatauni acts as a comprehensive account book, detailing all landholdings and their respective landowners.
Patta
- Patta is a record of rights, a document that unveils the name of the legal owner of a piece of land property.
Khudkasht
- This document signifies that the land is cultivated by its owners, not external cultivators.
Embarking on a land transaction journey can be daunting, but armed with these simplified explanations, you'll be better equipped to decode the complexities of land records.
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