If you are planning to buy a property in Karnataka, it is important to get an encumbrance certificate. An encumbrance certificate is a legal document that confirms that the property you are interested in buying has no outstanding dues or legal issues. It also ensures that the property is free from any mortgage or other financial liabilities. In this article, we will discuss how to get an encumbrance certificate Karnataka.
What is an Encumbrance Certificate?
An Tnreginet EC view is a document issued by the government authorities that show the transactions done on the property for a certain period. It is also known as EC in short. An encumbrance certificate Karnataka provides the buyer with the confidence that the property being bought is free of any charges or mortgages. It gives one the assurance that the property is free of disputes and legal issues relating to the property.
Why is an Encumbrance Certificate Important?
An encumbrance certificate is an important document while purchasing property as it validates that the property is clear from any previous financial and legal liabilities. It confirms that the property has no legal disputes or pending taxes. EC is also essential to avail housing loans or any other loan against the property. Furthermore, it can also be used as evidence of ownership during a property sale.
How to Get an Encumbrance Certificate in Karnataka or Tnreginet EC view: Step by Step Process
There are two ways to obtain an encumbrance certificate Karnataka – Online and Offline.
Online EC Application Process
The government of Karnataka has made it very easy for a person to obtain an encumbrance certificate. One can apply for Karnataka EC online by following the steps below:
Step 1:
Visit the official website: https://kaverionline.karnataka.gov.in
Step 2:
Register on the website by filling out the necessary details, including your full name, mobile number, email ID, and Aadhaar number.
Step 3:
After activation of the registration process, log in to the website using the credentials set by you.
Step 4:
Select the “Online Application” option under the “Encumbrance Certificate” tab.
Step 5:
Fill the form with details such as property details, property type, survey scale, and time period for which you require the EC.
Step 6:
Upload the necessary documents such as proof of address, property ownership, and survey number.
Step 7:
Pay the fee, which is usually Rs. 25 per year requested, using your preferred online payment method.
Step 8:
Submit the application and wait for the EC to be issued online, which is usually issued within 14 days.
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Offline EC Application Process
One can opt for the offline process if it is not convenient to apply for Karnataka EC online. Here are the steps to obtain an encumbrance certificate offline:
Step 1:
Visit the local sub-registrar’s office that handles the property where the encumbrance certificate needs to be obtained.
Step 2:
Fill out the EC application form which can be availed from the office.
Step 3:
Attach the necessary documents such as proof of address, property ownership, survey number, and application fee receipt.
Step 4:
Submit the application form to the sub-registrar’s office.
Step 5:
The encumbrance certificate Karnataka usually gets issued within 15 to 30 working days.
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Documents Required for Encumbrance Certificate Karnataka
To apply for an EC Karnataka, the following documents are required:
- A copy of the sale deed or property ownership document.
- Identity proof, which should be any of the following – Voter ID card, PAN card, Aadhaar card, driving license, or passport.
- Address proof, which should be any of the following – Water bill, electricity bill, voter ID card, passport, or Aadhaar card.
- Survey number or Khata number of the property for which the EC is required.
- Application fee receipt.
For any transaction done on the property, the details related to it are mentioned in the encumbrance certificate Karnataka. This includes mortgages, purchases, registered sales, gift deeds, and any transfer of ownership in the property for a particular time period. This document also includes information about any loans or legal disputes related to the property. Karnataka EC online is easier to get compared to the offline process, and it saves time.
Conclusion
In summary, an encumbrance certificate in Karnataka is a crucial legal requirement for property purchase or obtaining a loan against property in the state. This official document certifies that the property in question is free from legal disputes and pending taxes. You can conveniently obtain an EC Karnataka online via the official website, saving time, effort, and money. Alternatively, an offline process is available for those with limited internet access or navigation skills, though it is more time-consuming. If you’re planning to buy property in Karnataka or secure a property loan, ensure you apply for an EC and follow the step-by-step process outlined above.
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