3 min
20 December 2024
If you are looking to buy, sell, or take aloan against property, one of the most important documents you need is theEncumbrance Certificate (EC). The EC is essential to verify whether a property is free from any legal claims or financial obligations, such as mortgages. With the rise of digital services, it is now possible to easily view your EC online using a mobile device, making it more convenient and accessible than ever before. Read on to know the process of viewing yourEC online on mobile, explain its importance, and explore why it is a useful tool for anyone involved in property transactions or securing loans.
Opting for aLoan Against Propertyfrom Bajaj Finance offers a smart way to unlock funds for major investments or debt consolidation, all while maintaining your financial stability. By including such products in a well-rounded financial plan, individuals can make the most of their resources and confidently work towards achieving their financial goals. This approach allows for flexible funding options while ensuring long-term financial health.
Visit the official land records portal:The first step is to open the land records website for your state. For example, if you are in Bihar, you can visit theEC Biharwebsite or the relevant state portal.
Select the EC section:
On the homepage, look for a section related to property records or "Encumbrance Certificate." Many states have a dedicated area for online property services.
Enter property details:
Once you are in the EC section, you will be asked to enter specific property details, such as the registration number, survey number, or document number. These details can be found in the property documents you have.
Choose the required time period:
Some states allow you to view the EC for a specific time period, such as the last 5 or 10 years. Select the appropriate time frame based on your needs.
Submit the request:
After entering all the necessary information, click on the “Submit” or “View EC” button. The system will process your request and show the results.
Download the EC:
Once the EC is displayed, you can download it directly to your mobile device as a PDF file. It is important to keep a copy of the EC for your records, especially if you are dealing with property transactions orloan against propertyapplications.
Convenience: You can access the EC from anywhere at any time, without needing to visit a government office. This is especially helpful if you are in the middle of aloan against propertyapplication or need to verify a property for an urgent transaction.
Speed: Checking your EC online is much quicker than waiting in line at a government office. The process can take just a few minutes, compared to days or weeks for traditional methods.
Paperless process: Accessing and downloading the EC online saves paper and eliminates the need for physical copies. This is not only more efficient but also environmentally friendly.
Transparency: The online system is transparent, ensuring that you get the official and correct information directly from the government database.
Cost-effective: Many states offer free access to EC online, saving you from spending money on travel or handling physical documents.
Check for mortgages or liens: The EC will show if there are any existing mortgages, loans, or legal claims against the property. This is especially important if you are looking to take aloan against property, as the bank will need to ensure that the property is free from encumbrances.
Confirm ownership: By reviewing the EC, you can verify the current ownership of the property and ensure that the seller is authorized to sell it. If there are disputes or complications, the EC can help you avoid buying problematic property.
Examine historical records: You can view past records of the property, including previous mortgages or legal issues, which can help identify potential risks.
Confirms ownership: The EC confirms that the person selling the property is the rightful owner, helping to prevent fraudulent transactions.
Proves no legal issues: It ensures that the property is free from any unpaid loans, mortgages, or legal claims. If you’re taking aloan against property, banks will require this document to ensure the property is clean.
Helps in property sale and transfer: When you are selling property, the EC will be needed to prove that the title is clear, which helps in making the sale process smooth and hassle-free.
Required for loans: If you are applying for aloan for mortgageorloan against property, the EC verifies the legal status of the property, ensuring that the lender can offer you a loan.
Proof of identity: A government-issued ID such as Aadhar card, passport, or voter ID.
Proof of property ownership: Documents like the sale deed or property registration certificate.
Property details: This includes the property’s survey number, plot number, or registration number.
Fee payment: Some states may require a nominal fee, which can be paid online.
Incorrect property details: Ensure that the property information you enter (e.g., registration number, survey number) is accurate. Double-check your documents before submitting.
Technical glitches: Sometimes the online portal may have temporary issues. Try refreshing the page or accessing the portal at a later time.
No access to the portal: If the state’s portal is down or not mobile-friendly, consider switching to a desktop or visiting the local sub-registrar office for assistance.
Slow internet connection: A slow internet connection can delay the process. Ensure that you have a stable connection when accessing the EC online.
Opting for aLoan Against Propertyfrom Bajaj Finance offers a smart way to unlock funds for major investments or debt consolidation, all while maintaining your financial stability. By including such products in a well-rounded financial plan, individuals can make the most of their resources and confidently work towards achieving their financial goals. This approach allows for flexible funding options while ensuring long-term financial health.
How to view EC online in mobile?
Viewing theEncumbrance Certificate (EC)online on your mobile device is a straightforward process. Here’s a simple, step-by-step guide to help you:Visit the official land records portal:The first step is to open the land records website for your state. For example, if you are in Bihar, you can visit theEC Biharwebsite or the relevant state portal.
Select the EC section:
On the homepage, look for a section related to property records or "Encumbrance Certificate." Many states have a dedicated area for online property services.
Enter property details:
Once you are in the EC section, you will be asked to enter specific property details, such as the registration number, survey number, or document number. These details can be found in the property documents you have.
Choose the required time period:
Some states allow you to view the EC for a specific time period, such as the last 5 or 10 years. Select the appropriate time frame based on your needs.
Submit the request:
After entering all the necessary information, click on the “Submit” or “View EC” button. The system will process your request and show the results.
Download the EC:
Once the EC is displayed, you can download it directly to your mobile device as a PDF file. It is important to keep a copy of the EC for your records, especially if you are dealing with property transactions orloan against propertyapplications.
Advantages of viewing EC online on mobile
Viewing theEncumbrance Certificateonline on your mobile comes with many advantages:Convenience: You can access the EC from anywhere at any time, without needing to visit a government office. This is especially helpful if you are in the middle of aloan against propertyapplication or need to verify a property for an urgent transaction.
Speed: Checking your EC online is much quicker than waiting in line at a government office. The process can take just a few minutes, compared to days or weeks for traditional methods.
Paperless process: Accessing and downloading the EC online saves paper and eliminates the need for physical copies. This is not only more efficient but also environmentally friendly.
Transparency: The online system is transparent, ensuring that you get the official and correct information directly from the government database.
Cost-effective: Many states offer free access to EC online, saving you from spending money on travel or handling physical documents.
How to use EC view for property verification?
TheEncumbrance Certificateis a key document used to verify the legal status of a property. Here is how you can use the online EC to verify property details:Check for mortgages or liens: The EC will show if there are any existing mortgages, loans, or legal claims against the property. This is especially important if you are looking to take aloan against property, as the bank will need to ensure that the property is free from encumbrances.
Confirm ownership: By reviewing the EC, you can verify the current ownership of the property and ensure that the seller is authorized to sell it. If there are disputes or complications, the EC can help you avoid buying problematic property.
Examine historical records: You can view past records of the property, including previous mortgages or legal issues, which can help identify potential risks.
Steps for applying and viewing EC online (Mobile vs Desktop)
Here is a comparison of the process for applying and viewing your EC online on mobile vs desktop:| Aspect | Mobile | Desktop |
| Ease of access | Quick and portable, can be done on-the-go | Requires a computer or laptop, less flexible |
| Speed | Fast, especially on mobile-friendly websites | Typically fast, but depends on internet speed |
| User experience | Mobile-friendly portals for easy navigation | Larger screen for better visibility and navigation |
| Documents required | Same as desktop (property details) | Same as mobile (property details) |
| Download EC | Direct download to mobile device | Direct download to computer or laptop |
| Additional features | Can integrate with apps or save in cloud storage | More detailed interface for analysis |
Why is an EC important for property transactions?
TheEncumbrance Certificateis critical for anyone involved in property transactions, whether you’re buying, selling, or taking aloan against property. Here is why:Confirms ownership: The EC confirms that the person selling the property is the rightful owner, helping to prevent fraudulent transactions.
Proves no legal issues: It ensures that the property is free from any unpaid loans, mortgages, or legal claims. If you’re taking aloan against property, banks will require this document to ensure the property is clean.
Helps in property sale and transfer: When you are selling property, the EC will be needed to prove that the title is clear, which helps in making the sale process smooth and hassle-free.
Required for loans: If you are applying for aloan for mortgageorloan against property, the EC verifies the legal status of the property, ensuring that the lender can offer you a loan.
Documents needed to apply for EC online
To apply for anEncumbrance Certificateonline, you’ll need the following documents:Proof of identity: A government-issued ID such as Aadhar card, passport, or voter ID.
Proof of property ownership: Documents like the sale deed or property registration certificate.
Property details: This includes the property’s survey number, plot number, or registration number.
Fee payment: Some states may require a nominal fee, which can be paid online.
Common issues while viewing EC online on mobile and solutions
While viewing theEncumbrance Certificateonline is generally easy, you may encounter a few common issues. Here are solutions:Incorrect property details: Ensure that the property information you enter (e.g., registration number, survey number) is accurate. Double-check your documents before submitting.
Technical glitches: Sometimes the online portal may have temporary issues. Try refreshing the page or accessing the portal at a later time.
No access to the portal: If the state’s portal is down or not mobile-friendly, consider switching to a desktop or visiting the local sub-registrar office for assistance.
Slow internet connection: A slow internet connection can delay the process. Ensure that you have a stable connection when accessing the EC online.
