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One of the most challenging tasks an individual encounters is getting his/her property papers in order. One has to get through a labyrinth of procedure and process before being able to obtain all documents for a clear title of a property.
An encumbrance certificate is one such piece of paper that holds significant merit in the world of property papers. It signifies that the property is free from any monetary or legal liabilities whatsoever and thus has a clear title. The encumbrance certificate is essential to any transaction involving the purchase or sale of the property, loan to be taken against the property and so on.
The encumbrance certificate is normally issued by the Sub-Registrar under whose jurisdiction the property is situated. The certificate comprises details of the property, including the name of the owner, the transfer of ownership, mortgages taken out against the property, if any. The encumbrance certificate is required in the following circumstances:
The encumbrance certificate is one of the mandatory documents one must have at the time of purchase or sale of a property. It certifies that the property is clear and free from any liabilities. At the time of purchase or sale of property, the parties will need to have the document present as part of the records in order to make the sale without any hiccups whatsoever. The seller will provide the buyer with an encumbrance certificate by applying for the same from the government and then handing it over to the prospective buyer.
Banks and financial institutions have their set of guidelines that are to be followed so as to ensure the successful approval of the loan. Providing the encumbrance certificate is an essential requisite in the process of applying for a home loan. The period of the encumbrance certificate required by the banks is contingent on the age of the property.
The encumbrance certificate is one of the mandatory documents required to be submitted, where the EPF withdrawal is being made for the purpose of purchase of the property. When an individual proceeds towards a withdrawal from his/her provident fund account, the employer will request him/her to furnish the encumbrance certificate as a part of the process of withdrawal.
In a transaction of sale of property, the buyer has to get the ownership transferred to his name by way of property mutation. Property mutation refers to the depiction of the transfer of property from one person to another. The encumbrance certificate is a document that has an important role here as well.
|Age Group||Fee to be Remitted (Rs.)|
|Applicant below 30 years of age||200/-|
|Applicant above 30 years of age||500/-|
A general service charge of Rs. 25/- is levied on the applicant in the process of obtaining the encumbrance certificate.
Step 1: In order to begin the application process, the applicant will have to log on to https://ts.meeseva.telangana.gov.in/meeseva/home.htm. On the left side of the page, under the “Other Links” option, “Government Forms” has to be selected from the dropdown list.
Step 2: Once the page has loaded, the applicant has to select the “MeeSeva Services” option on the top left corner of the page. The page is then loaded with services of various categories, including agriculture, housing, election, employment and various other categories.
Step 3: Under the “Registration” category, the applicant will find the “Encumbrance Certificate” link to be selected. This will prompt the applicant to proceed to download the application form for the encumbrance certificate.
Step 4: Once the application form is downloaded, a printout of the same has to be taken by the applicant, who will then proceed to fill-up the form. The form will require various details, including:-
Step 5: On successful completion of the form and all its necessary details, the applicant may submit the form to the nearest MeeSeva centre, which is established in his/her area or vicinity.
Step 6: The application form will have to be submitted along with the requisite fee to the centre, upon which the applicant will be provided with an acknowledgement slip, which will be used as a reference in the near future.
Step 7: The officer in charge shall verify the application form and documents submitted, and if the officer is satisfied with the application in all respects, he/she will forward the application form to the office of the Sub-Registrar.
Step 8: Once the verification process is complete, the officer shall convey the status regarding the same to the concerned MeeSeva centre, and the applicant shall be updated regarding the status of the same via a text message to the mobile number provided.
The average time period for obtaining the encumbrance certificate is 6 working days from the date of the application.
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