Search encumbrance certificate online for Andhra Pradesh

How to search for encumbrance statement online in Andhra Pradesh?

For an encumbrance statement, an applicant will need to adhere to a few simple steps: 

STEP 1: Open the official website of AP Registration And Stamp Department

STEP 2: Select the option of ‘Encumbrance Search’. 

STEP 3: After getting redirected to a new page, carefully read all the disclaimers and then click on the ‘Submit’ option 

STEP 4: As the ‘Search for Encumbrance’ page opens, use any of these three options for this search:

• Year of registration
• Document number or memo number
• None

STEP 5: Based on their chosen criteria, you need to enter specific details such as:

• House number
• SRO period
• Name of the city
• District name
• Details about the sub-registrar’s office where this property has been enlisted 

STEP 6: Enter the CAPTCHA code displayed on the screen

Consequently, the encumbrance statement will be shown to the applicant. To conduct an encumbrance search, an applicant has to pay a certain service charge.

What is an encumbrance certificate?

An encumbrance certificate is a legally binding document regarding proof of property ownership. This record is crucial for a borrower to declare that his or her property is under no previous legal or financial obligation. 

In other words, this certificate entails that a property’s handover can occur without any hindrances due to pre-existing issues like debt or mortgage. This way, the ownership of this property can be passed on without a scope of any litigation. 

That is why a seller and buyer of a property must acquire an encumbrance certificate to establish that a property getting transferred has a clean title. In Andhra Pradesh, a sub-registrar’s office has to issue a nil encumbrance certificate for a liability-free title. As the EC contains detailed economic and transactional details regarding a property, it can make transfer procedure exponentially transparent.

What are the contents of an encumbrance certificate?

In Andhra Pradesh, an encumbrance certificate will contain these crucial pieces of information listed below:

• Name of the owner of this property
• Minute details about the property in question, as per sale deed
• Details of exchanges that can be identified with this property
• Records of whether any lines of credit are associated with this property 
• A blessing settlement, if the property was gifted to the present proprietor 
• Details about a partner’s end of personal guarantees regarding a mutually purchased property, in case of a released deed

What is the importance of an encumbrance certificate?

When it comes to the transfer of the right of immovable property, the encumbrance certificate has major significance: 

• The EC mitigates the risk of any asset-related legal dispute down the line.
• A credit applicant will need this certificate when borrowing a home loan or loan against property from a financial institution.
• If an individual considers withdrawing his or her provident fund savings to purchase a home or plot, it is crucial to present this certificate to the concerned authorities. 
• If an individual is applying to register a property in AP, he or she will have to provide this document alongside the sale agreement, deed, etc. 
• A proprietor will need to produce this certificate to the concerned officers to update his or her land tax record if it has not been paid for three years.

How to apply for encumbrance certificate online?

Using the AP IGRS portal, an individual can apply for EC online in these few steps: 

STEP 1: Open the official website of Andhra Pradesh Department of Stamps and Registration

STEP 2: Select the option of encumbrance certificate

STEP 3: An applicant must register him/herself by offering data like contact details, Aadhaar number, etc.

STEP 4: Consequently, the applicant will receive necessary credentials and OTP on the registered phone number

STEP 5: Log into the portal using these aforementioned details

STEP 6: Navigate to the ‘Online Services’ section of the home page

STEP 7: Select ‘Encumbrance Certificate’

STEP 8: The applicant will need to input details, such as:

• Document number
• Name or code of the SRO
• Registration Year

STEP 9: The applicant will be able to see the details of the mentioned property onscreen

STEP 10: Click on ‘Next’

STEP 11: The applicant will have the option to download two different variants of the certificate:

• Unsigned EC: Click on ‘Print’ to download it
• Signed EC: Verify via an OTP to download it

Therefore, the IGRS Andhra Pradesh makes it comparatively easier for applicants to get a hold of the EC of their properties without any hassle.