Andhra Pradesh Encumbrance Certificate By Ankita - February 29, 2020 Last Updated at: Oct 19, 2020 25788 The Andhra Pradesh State Govt. has issued the Layout Regularisation Scheme (LRS) for regularisation of unauthorised layouts in the state. Individual plot owners in unapproved layouts having registered title deeds before August 31, 2019, can apply under the scheme. Among other documents, they need to submit the latest Encumbrance Certificate (EC), duly showing all transactions of 13 years An encumbrance certificate is a proof that the property on the discussion is free of any monetary and legal obligations. The land may be offered as a free title, so without any accompanying hassle, the possession can come to you. You will require this form to get from the office of the registration authority. You affirm that the property where you’re just about put money is free of any legal duties and has a sell-able title. Encumbrance is essentially a reference to any claims which have not been settled in the case of a mortgage or a loan against the land. The certificate of encumbrance shall be issued from the office of the sub-registrar where the specific property is registered. It lists all of the specifics of every activity on the land. If you plan on buying the property, taking out a home loan for it or taking a loan against it, you need to have that certificate. Governing authority will rely on a 13-30 year encumbrance certificate in all situations. Encumbrance Certificate – Exclusions However, some documents don’t have to be registered and the essence of those documents would not be available in the encumbrance certificate. These exempt records don’t come under the framework of the 1908 Registration Act. These excluded documents are the equitable loan documents, where the bank keeps all the original documents and aren’t registered with the registrar’s office. Some testamentary agreements and contracts are within a year. Any other records that may be omitted are linked to oral lease, tax obligations as well as previous non-registered arrangements such as papers based on a personal contract or an unregistered deed. In fact, if you want to mortgage the property for a loan, you need a ‘no encumbrance certificate.’ If you want to obtain your certificate, you will have to apply for it with a non-judicial stamp of Rs .2 affixed to Form 22. Encumbrance Certificate – Andhra Pradesh It is an important legal document related to property and real estate in the state of Andhra Pradesh. It ensures the property in question is free from all the debts, both in monetary as well as legal terms. The certificate provides proof that the property for which the encumbrance certificate was issued can be sold and its ownership can be transferred without any lawsuit to be faced. The Encumbrance certificate also contains the details of every legal transaction and financial transactions made against the property in question. Importance of Encumbrance Certificate The importance of Encumbrance certificate for the issues related to the property in Andhra Pradesh are mentioned as follows: For applying for the loan from banks and other financial institutions in the state of Andhra Pradesh the Encumbrance certificate should also be furnished that certifies the land or the property in question has not been already mortgaged. To transfer the ownership of the title of the property to the buyer the seller needs to provide the Encumbrance certificate as evidence of ownership of the title. For updating the land tax records, in the case of property tax due by 3 years, the encumbrance certificate is to be submitted to the village officer. Also, for the withdrawal of the PF amount to purchase a property or construction of the house the Encumbrance certificate is required. Details mentioned in the Encumbrance Certificate The details related to the property mentioned in the encumbrance certificate. The name of the property owner. Details of the property are mentioned in the encumbrance certificate. All the transactions made related to the property are mentioned in the encumbrance certificate in the order of their occurrence. Details about the mortgaged property if the property was purchased on loan. Description of the property, its details, following the sale deed is mentioned in the encumbrance certificate. If the property was purchased in partnership and one of the partners decides to release his share of the property, the Encumbrance Certificate will contain all the details related to it. Property registration online Cost to obtain the encumbrance certificate You may receive the certificate of Andhra Pradesh Encumbrance by charging a nominal amount. The nominal amount should be based on the length of the certificate of encumbrance. The certificate is granted for three years. Duration up to 30 years -Rs 200 For more than 30 years -Rs 500 After the fees are paid the encumbrance certificate is obtained within a day. Andhra Pradesh Encumbrance Search To facilitate the buyers of the property, and help them verify the actual details of it before completing the ownership transfer and purchasing the property. The Andhra Pradesh Registration Department started the online services, but it has some limitations. The Andhra Pradesh Registration Department can only search for the Encumbrance certificate of the properties and its related transactions that were done after Jan 1, 1983. For getting an EC before the mentioned date the interested parties have to approach the SELF REGULATORY ORGANIZATIONS (SRO). How to search Encumbrance Certificate With Document Number: From the drop-down menu, the user needs to select the document number, registration year and has to fill in the registered SRO. Once everything is selected the user needs to enter the captcha and click on the SUBMIT button. With Memo Number: Then, from the drop-down menu, select the registration year, registered SRO and select the memo number. Lastly, the user needs to enter the captcha and click on the SUBMIT button. In case if the interested user doesn’t have the memo or the document number, they can select the “NONE” option. After the selection is made the user will be redirected on to a different page. This is where the search can be made with the following pieces of information provided District name Property name Property (land, building, site) details Property’s boundary details After furnishing the above-mentioned details, the user needs to enter the captcha and click on the SUBMIT button. The Application process of Andhra Pradesh encumbrance certificate through MeeSeva The User must visit the MeeSeva franchise. One must then ask the agent to apply for the Encumbrance certificate on their behalf in the required format. The required fees should be paid to MeeSeva agent for further processing the Encumbrance certificate application The application is done online by visiting the Andhra Pradesh Registration department website. The user will get updates regarding the application of the certificate through SMS alerts. The Mode of delivery of the certificate is to be provided as per the convenience of the applicant. Finally, after the request is approved by the regulatory office, the encumbrance certificate is delivered. It is delivered via speed post to the mentioned address. In fact, the user can manually collect the same from the MeeSeva franchise too. The encumbrance certificate is inevitable evidence when the ownership of the property needs to be proved. The Andhra Pradesh Registration and Stamp department issues this certificate mentioning the necessary legal and financial details made regarding the concerned property.