Applying of EC/ Search Report
Encumbrance Certificate
An Encumbrance Certificate (EC) is a legal document in India that verifies a property’s ownership and confirms that it has no legal or financial liabilities.
It’s a mandatory document for property transactions, such as buying or selling, registering ownership, or transferring property.
An EC can also be used to apply for a loan against a property or a home loan, or to withdraw money from a provident fund (PF) account.
An EC can help buyers make informed decisions by revealing information about a property’s loans, charges, and other obligations. For example, it can show if the land has been pledged for a loan or if it’s involved in a legal dispute. It can also help settle claims.
The Department of Registration and Stamping of the state or union territory (UT) issues the EC. To obtain an EC, you’ll need to provide the following documents: Property details, Deed details, Property registration document, and Address proof of the applicant.
Search Report by Advocate
In States where the facility of applying Encumbrance Certificate is not available in Sub Registrar’s Office, an advocate in India prepare a search report for a property by visiting the Sub-Registrar’s Office and reviewing property documents. The search report can help buyers ensure that the property title is clear and marketable, and that the seller has the right to sell it. This can help prevent legal disputes after the purchase.
The search report will trace any charges or encumbrances on the property over the past 30 years, and their current status. This includes whether the charges have been paid and the property has been released, or if there are still charges pending.
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Why choose ezyLegal for Applying of EC/ Search Report
Quick and Convenient: Apply for an Encumbrance Certificate (EC) or Search Report from the comfort of your home, saving time and effort.
Expert Assistance: Benefit from guidance by legal experts to ensure accurate and timely application processing.
Transparent Process: Receive clear updates and status tracking throughout the application process for peace of mind.
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Applying of EC/ Search Report
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How to apply for EC / Search Report
Schedule Call with the Lawyer
Customer discusses and informs the details / update the details in the portal for which the EC/ Search report to be applied
To upload the title deed / furnish details
To upload the title deed and furnish the period for which the EC / Search report to be done
Lawyer applies for the EC or conducts the Search Report
Lawyer applies for EC or conducts Search Report, ensuring accuracy and compliance.
EC / Search Report is made ready and available to the customer
"EC/Search Report is prepared and delivered to the customer promptly.
Contents of the EC / Search Report
Property Transactions
A chronological record of all registered transactions, such as sale deeds, mortgages, and leases, for a specified period of time
Encumbrances
Details of any loans, leases, or legal obligations that may affect the property
Property History
Information about the property's status, past owners, and ownership transfers
Inheritance
A chain of changes in inheritance.
Fraud and Litigation
Any information related to fraud or litigation ECs can be valid for up to 30 years, but the information provided is limited to the specific time frame requested. They can be used to help settle claims about a property's legal and financial status, and to prove ownership. For example, banks may require an EC as part of the application process for a home loan, and new property owners may need one during the registration process.
Benefits of obtaining EC / Search Report
Protects from Fraud
An EC can help buyers and sellers avoid unintentionally making transactions with properties that have hidden responsibilities. For example, an EC can confirm that a property is not legally bound to a loan or used as collateral.
Assures Lenders
An EC is one of the most important documents a lender will use to determine on legal appraisal
Required for Property Registration
A new owner needs an EC to register a property in their name during the property mutation process in state government records.
Deliverables of of EC/ Search Report
Dedicated Agent
An agent will be assigned to you, who will guide you throughout the process.
Encumbrance Certificate/ Search Report
Agent will provide you with requested Encumbrance Certificate (EC) // Search Report
Prerequisites for applying for an Encumbrance Certificate (EC) or a Search Report
- Property Details
- Property Ownership Documents
- Sale Deed Copy
- Applicant's Identity Proof
- Application Form
- Power of Attorney (if applicable)
- Previous EC Copies (if any)
- Authorisation Letter (if applicable)
Registration Process
- Upload all the Property Documents
- Agent reviews the entire Property Document set
- Agent gets the Encumbrance Search done from the Sub-registrar's office if applicable or verifies the Encumbrance Certificate issued by SRO
- Agent identifies deficiencies (if any)
- Agent appraises and on complete satisfaction of all the requirements, prepares the Property Legal Opinion
If you have questions regarding our products, speak to our team of Legal Experts.
Reviews
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Using ezyLegal for my Encumbrance Certificate was a great decision. The service was prompt and the staff were very helpful in answering my queries. As someone based in Singapore, it was crucial for me to have a reliable service to handle my property-related documents back in India. ezyLegal exceeded my expectations.
I had a fantastic experience with ezyLegal's Search Report service. The entire process was transparent and efficient. Living in Australia, I was concerned about managing paperwork for my property in India, but ezyLegal’s team took care of everything. The report was comprehensive and arrived sooner than expected. Excellent service!
The Encumbrance Certificate service from ezyLegal was top-notch. They provided clear instructions and handled everything with professionalism. As a Canadian resident, I was relieved to find a service that understands the needs of NRIs and provides such seamless assistance. I’ll definitely use their services again.
ezyLegal made applying for the Search Report a breeze. As someone living abroad, I was worried about the logistics, but their online process was smooth and efficient. The detailed report provided was exactly what I needed for my property investments in India. Their team kept me updated throughout, which I truly appreciated.
I recently used ezyLegal's service for applying for an Encumbrance Certificate and was thoroughly impressed. The process was straightforward, and their customer service was exceptional. I received the certificate in record time, which was crucial for my property transaction back in India. Highly recommended for anyone needing quick and reliable service.
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Frequently asked Questions
An Encumbrance Certificate (EC) is a legal document that certifies whether a property is free from any monetary or legal liabilities, such as loans or mortgages.
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