What Is a Non-Encumbrance Certificate?
A Non-Encumbrance Certificate (NEC), issued by the Sub-Registrar’s office, certifies that a property has no registered mortgages, loans, or legal liabilities during a specified period. It is commonly required before a property sale, purchase, or loan application, and to satisfy a lender that the title is clear.
Documents Typically Required
- Application form specifying the period for which the certificate is needed
- Property address and survey/title details
- Identity proof of the applicant