If you are planning to buy a house property, you must have come across the ‘Encumbrance Certificate (EC)’. While preparing for the big purchase by bringing together all required documents, make sure you don’t miss out on an Encumbrance Certificate of the specific property. An encumbrance refers to any charge created on any asset, more often used in the context of real estate. An Encumbrance Certificate or EC is a certificate of assurance that the property in question is free from any legal or monetary liability such as a mortgage or an uncleared loan. It is of capital importance that a homebuyer obtains an EC not only to secure his legal title over the property but also to be eligible to obtain loans from most banks and financial institutions for or against the property. The EC for a property is provided at the sub-registrar’s office in which the property has been registered.

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