Sunday, November 27, 2016

ON DEFAULT, EARNEST MONEY CAN BE FORFEITED OR REFUNDED DOUBLE-- 8 COURT JUDGMENTS WITH RELEVANT NOTES

Punjab-Haryana High Court
Court's Ordered refunding double Byana 

1. The appellant filed the instant suit seeking the relief as under:-
"The plaintiff filed a suit for possession to effect that on 24.1.1991, defendant No.1 entered into an agreement to sell suit land measuring 8 bigha 4 biswas bearing khasra No.159/1(1-14),159/3(6-10) khatoni No.476 khewat No.166/136 min vide jamabandi 1991-92 situated at village Tiwala, for a consideration of Rs.1,95,000/- and for delivering the possession of land and getting the registry in favour of the plaintiff and setting aside the judgment Kadian Savita 2014.05.09 14:02 I attest to the accuracy and integrity of this document High Court Chandigarh and decree of exchange dated 16.1.1993 vide which exchanged property by defendant No.1 with defendants No.2 and 3 is illegal and against the facts and not binding upon the rights of plaintiff because it is mere paper proceedings just to defeat the right of the plaintiff and defendant No.2 and 3 have no concerned with the suit land."
The suit was dismissed with costs by the trial Court vide impugned judgment and decree dated 11.06.2003. However, appeal was accepted by the First Appellate Court vide impugned judgment and decree dated 31.3.2009 to the extent that respondent No.1 was directed to return the double amount of earnest money i.e. ` 50,000/- within a period of two months from the date of order.


2. Moreover, keeping in view the facts and circumstances of the case, appellant has been granted the relief of recovery of double the amount of earnest money and in view thereof, this Court is not inclined to interfere in the impugned judgment and decree of the First Appellate Court.
Thus, no substantial questions of law, as raised, arise in this appeal.
Dismissed.

https://indiankanoon.org/doc/183344922/


JUDGMENT  2:---

Court's Ordered refunding double Byana


Punjab-Haryana High Court

1. Defendant is in second appeal aggrieved against the concurrent findings returned by the Courts below whereby the suit filed by the respondent/plaintiff for recovery of double the amount of earnest money in light of agreement to sell dated 24.09.2005 was decreed by the learned Civil Judge (Sr. Divn.), Ambala vide judgment and decree dated 23.07.2012 and the findings thereof were affirmed by the learned District Judge, Ambala vide judgment and decree dated 18.09.2013. 


2.The sole point that arises for determination before this Court is that whether the respondent/plaintiff was entitled to recover Rs.2 lacs i.e. double the amount of earnest money from the appellant as per the stipulation contained in agreement to sell (Ex.P-1). 3.In view of the settled principles of law that the Civil Court is required to adjudicate the matter on the basis of preponderance of evidence led by the parties, this Court is of the opinion that both the Courts below have rightly decreed the suit of the plaintiff/respondent and no interference is warranted in the well reasoned judgment and decrees passed by the Courts below. In view of the above, finding no question of law much less substantial question of law arising for determination in the present second appeal, the same is hereby dismissed.]                      

JUDGMENT  3 :---

Double Bayana Ordered



Delhi District Court


1. he plaintiff gave a token amount of Rs. 1,00,000/¬ in the name of the defendant vide cheque no. 801308 dated 14.07.2008 and the said cheque was handed over to Sh. Sunil Sachdeva and on 16.07.2008, when the defendant returned back from out of station a written agreement was executed between the defendant and the plaintiff. It is further submitted by the plaintiff that she also gave a sum of Rs. 7,00,000/¬ on 16.07.2008 to the defendant out of which Rs. 3,00,000/¬ given in cash and Rs. 4,00,000/¬ was given through cheque bearing no. 811048 dated 16.07.2008. 30 Thus, issue no.1 is decided in favour of plaintiff and against the defendant. 



Defendant had received Rs.8 lacs from the plaintiff and in terms of clause 7 of the agreement dated 16.07.2008, plaintiff is entitled to double the amount of Rs.8 lacs i.e. Rs.16 lacs. 


RELIEF : 31 Plaintiff paid Rs. 1 lac by cheque but the defendant did not get the cheque of Rs.1 lac encashed and has paid back Rs.4 lacs to the plaintiff through cheque. Thus, plaintiff is entitled to receive remaining amount of Rs.11 lacs from the defendant. Plaintiff has claimed pendente lite and future interest @ 18% per annum from 20.09.2008. However, there is no stipulation for payment of interest in the agreement dated 16.07.2008. Accordingly, plaintiff is not entitled to any interest on the suit amount. Thus, decree is passed for a sum of Rs.11 lacs in favour of plaintiff and against the defendant. No order as to costs.


JUDGMENT 4:---

Double Bayana with Ordered 


THE HIGH COURT OF DELHI AT NEW DELHI


2. Plaintiff had entered into an agreement to sell with the defendant; this was qua 45 sq. yards of property comprising of one room with latrine, bathroom measuring 16 ft. X 25 ft situate in Khasra No. 15 of Village Mandoli; total consideration agreed was Rs. 1,60,000/-; plaintiff had paid the sum of Rs. 50,000/- as an advance/earnest money. In terms of the aforestated agreement, the balance amount of Rs. 1, 10,000/- had to be paid by 25.08.2000, on which date the defendant was required to execute the documents of transfer in favour of the plaintiff before the Sub- Registrar. The plaintiff reached the office of the Sub-Registrar on 25.08.2000 for getting the documents of transfer executed but the defendant did not came there till 1 pm. 




14. It is also relevant to state that the statement of the defendant had been recorded on 24.10.2002 under Order X of the Code of Civil Procedure. In this statement, she had denied the execution of the agreement to sell Ex. PW-1/1; however in her deposition on oath in Court she had admitted this document. On the preponderance of probabilities and after a detailed examination of evidence both oral and documentary the court had held that Ex.PW-1/1 had been executed by the defendant; the plaintiff was entitled to refund of the earnest money i.e. double the amount of `50,000/- which amount of `1 lac was rightly granted in his favour.



JUGDMENT   5:------

Double Bayana with interest Ordered
Delhi High Court


"5. That if the first party refuses to sell the said property within stipulated period as mentioned above then the first party shall be liable to pay the earnest money as double to the second party, in case if the second party refuses to purchase the said property within same time then her/his earnest money shall be forfeited by the first party and after it the first party shall have full right to resell the said property to any person at any rate." 



8. This Court is of the opinion that for rescinding the contract, only invocation of Clause 5 and due communication of the same was required; which was duly done, hence the agreement stood rescinded on 24.05.2011. Consequently, twice the amount of the earnest money i.e. Rs.6,00,000/- was payable to the purchaser. The seller had got the demand draft of Rs.3,00,000/- prepared on 3rd June, 2011. Although the time frame for refund was not mentioned in the agreement, he has nevertheless shown his readiness and willingness to repay the money. The offer to repay Rs.6,00,000/- along with 18% interest thereon is, in the opinion of this Court, fair and adequate. In view of the preceding discussion, the impugned order is set aside, the appellant is directed to pay Rs.6,00,000/- with interest thereon at the rate of 18% per annum from 24.5.2011 and costs of Rs.1,00,000/- to the respondent within 4 weeks from today.



JUDGMENT 6:----

Supreme Court Ordered to refund the Bayana as per terms of Agreement to Sell, with interest




1. "Tukaram Devsarkar aged about 65, Agriculturist R/o Devsar, purchaser (GHENAR)- Balwantrao Ganpatrao Pande aged 76 years r/ o Dijadi Post Devsar, Vendor (DENAR), who hereby give in writing that a paddy field situated at Dighadi Mouja, Survey No. 7/2 admeasuring 3 acres belonging to me hereby agree to sell to you for Rs.2,000 and agree to receive Rs. 1,000 from you in presence of V.D.N. Sane. A sale deed shall be made by me at my cost by 15-4-1972. In case the sale deed is not made to you or if you refuse to accept, in addition of earnest money an amount of Rs. 500 shall be given or taken and no sale deed will be executed. The possession of the property has been agreed to be delivered at the time of purchase. This agreement is binding on the legal heirs and successors and assigns." 



2. While disposing of the suit, the trial court had directed the defendants to pay back Rs. 1,000 plus interest at the rate of 6 per cent per annum from the date of the suit till realisation. In addition thereto, the Civil Judge had required the defendants to pay Rs. 500 as damages to the plaintiff. Keeping this in view, while allowing this appeal, we affirm the decree of the trial court with this modification that the sum of Rs. 500 will also carry an interest of 6 per cent per annum with effect from 8th July, 1977, being the date of the decree by the trial court. This will be in addition to a decree for Rs. 1,000 plus interest at the rate of 6 per cent thereon from the date of the filing of the suit till the date of realisation.



JUDGMENT 7:------


Supreme Court Order


Bayana be forfeited or refunded Double

SUPREME COURT JUDGMENT DEFINING EARNEST MONEY. IT SAYS THAT EARNEST MONEY CAN BE FORFEITED AND CAN BE REFUNDED DOUBLE AS WELL IF DEFINED IN THE AGREEMENT TO SELL. 



"Law is, therefore, clear that to justify the forfeiture of advance money being part of ‘earnest money’ the terms of the contract should be clear and explicit. Earnest money is paid or given at the time when the contract is entered into and, as a pledge for its due performance by the depositor to be forfeited in case of non-performance, by the depositor. There can be converse situation also that if the seller fails to perform the contract the purchaser can also get the double the amount, if it is so stipulated. It is also the law that part payment of purchase price cannot be forfeited unless it is a guarantee for the due performance of the contract. In other words, if the payment is made only towards part payment of consideration and not intended as earnest money then the forfeiture clause will not apply."]                        



JUDGMENT 8:-----


Judge Ordered to execute the Sale deed

Delhi District Court

A decree of specific performance of agreement to sell dated 12.04.2013 in respect of the suit property is passed in favour of the plaintiff and against the defendant and defendant is directed to execute the sale deed in respect of the suit property in favour of the plaintiff after getting balance sale consideration of Rs.9.5 lacs and get the sale deed registered before the concerned Sub¬Registrar, Delhi. If defendant failed to execute the sale deed in respect of the suit property in favour of the plaintiff, the plaintiff is entitled to get it executed and registered through the court.

Monday, November 7, 2016

All you need to know about Encumbrance Certificate



An encumbrance certificate is needed in a property transaction as an evidence of free title and ownership. It is a document issued by the registration authorities. While buying a property, it is important to confirm that it does not have any legal dues. A prospective buyer must ensure the property has a clear and marketable title. 

'Encumbrance' is the charges or liabilities created on a particular property, whereby it is held as a security for a debt that has not been discharged as on date. An encumbrance certificate contains details of all transactions, and certifies that the property is not mortgaged and has no legal dues. It is obtained from the sub-registrar's office where the deed has been registered. An encumbrance certificate is important while buying property, applying for a home loan or going in for a loan against the property.
Government authorities and financial institutions usually ask for 13 to 30 years' encumbrance certificate. It is issued for a particular period and does not cover any period prior to or following the period mentioned. It is an extract of the register maintained by the sub-registrar, which in turn is based on the documents registered with the registrar. 

In case a particular document is not registered with the registrar, it won't be captured in the encumbrance certificate. There are certain transactions relating to property which are outside its scope. This is because such documents are not compulsorily registrable under the Registration Act 1908.

These include:
Equitable mortgage: This is a mortgage by deposit of title deeds where the borrower deposits the original documents pertaining to the property with the bank and does not get it registered at the registrar's office. 

Testamentary documents and leases: These documents are not required to be registered with the registrar. Any lease for a period of less than one year does not need to be registered. 

Others: Oral tenancy, tax liabilities, prior unregistered agreements, family arrangement, unregistered Will and other unregistered agreements will not show here. 

Need for certificate: In any transaction of sale or purchase of property, a 'no encumbrance certificate' is a very important document. It is also issued for the purpose of mortgaging property for a loan. It certifies that the property is not already mortgaged. 

Obtaining the certificate In order to obtain this certificate, one needs to apply on Form 22 (with Rs 2 non-judicial stamp affixed) to the tahsildar, giving the complete residential address and the purpose for which the certificate is required. A copy of any residence address proof, attested, should be attached. Title details, details of ownership of the property, survey number and address should be mentioned. It is very important that the period, full description of the property, its measurements and boundaries are clearly mentioned in the application. 

The application should be submitted to the jurisdictional sub-registrar's office. The requisite fees needs to be paid. The fee is to be paid year-wise, with any fraction of a year being taken as a full year. The tahsildar will seek a report from the Patwari on whether there is any entry in favour of any person or legal body. In case there is no such entry and the report is favourable, the no encumbrance certificate is issued after conducting a detailed enquiry. The time taken may be anywhere between 15 to 30 days. 

Encumbrance certificates are issued either on Form No 15 or Form No 16. Encumbrance Certificate on Form No 15 records sale, lease, mortgage, gift, partition, release etc that have been registered before the registration authorities and recorded in Book I maintained by the registration authorities for any particular period for which the encumbrance certificate is sought. This helps in verifying the title since certain transactions reflected there, especially in the parent deeds and documents which are not in the possession of the present owner may be applied for and obtained in the form of certified copies. 

The certificate in Form No 16 is issued by the registration authorities only when no transactions have occurred in the period for which the encumbrance certificate is sought.

Magicbricks.com Bureau


http://content.magicbricks.com/industry-news/all-you-need-to-know-about-encumbrance-certificate/13145.html

How to read a Jamabandi ……(fard, revenue record)

How to read a Jamabandi ……(fard, revenue record)

Jamabandi is the most important document of revenue record. It is known by different name like fard, parcha or many other different names in different areas, but most common name is JAMABANDI. It is believed that reading of jamabandi is a very specialized task of revenue officials and far away from the knowledge of general masses. It is also misappropriated that reading of jamabandi or acquiring the knowledge of revenue record is only limited to revenue official especially patwari or kango and other do not have any need for it. 

But in present circumstance when everybody who is involved in buying and selling property, agricultural land on regular or occasional basis, getting loan on movable or immovable property or offering any guarantee of any loan/ credit whether short term working capital loan, medium term loan or long term loan, everybody should have a basic knowledge of revenue record. It not only helps to boost the confidence of investor of borrower but also save him from fraud, misappropriation or any other litigation.

Coming back to jamabandi, this record expresses a lot of things. Instead of showing the ownership and possession, jamabandi also gives knowledge about type of land, its holding status, source of irrigation if cultivated, the type of structure built on it, the nature of owner, location of land, its fragmentation type and a lots of other things.

In general a Jamabandi is having 12 (twelve) columns. Each column depicts unique information. The information in some columns is very very important and in some column it is of less importance.
On the top of jamabandi the information like Hadbast number (it is the number of boundary of revenue village), year of jamabandi (generally jamabandi is made after every four years) name of village, tehsil and district are mentioned.

The first column of jamanadi is the Khewat number or number khewat. It is the number of owner/owners of land. It is written by black ink. This number is subject to change in next jamabandi. Sometimes a number in red ink is mentioned in this column, it is the number of khewat in last jamabandi mentioned for reference only. A term MIN is mentioned sometimes, it means the part of whole khewat number which is divided into parts. The detail description of khewat number is mentioned in column 4 or we can say that the owners mentioned in column number 4 are having one khewat number which is mentioned in column number 1.

The second column of jamabandi is Khatauni Number or Number Khatauni. It is the number of possessioner or cultivator of land. The description of cultivator or possessioner is mentioned in column number 5. We can say that the cultivator or possessioners mentioned in column number 5 are having khatuani number which is mentioned in column number 2.

In column number 3 Patti, Taraf or numberdar are mentioned. This column is ment for providing the information about physical location of land. In many villages particular cast is living in patti, hence the name of patti is mentioned as per their cast. Sometimes the location is identified through its numberdar, but the only objective is to find the location of land.

In column number 4 the detail of owners of land is mentioned. It is mentioned by writing the name of owner his/ her father and grandfather. Upto grandfather is taken to ensure the identity of owner, as same name can be of different person in same village. The number of ownership is mentioned in column number 1 as khewat number. When the owner is adopted one then the term “MATVANA” is used. If the land is in name of panchayat/ trust/ wakf board/ shamlat (common rights of villagers) then their name is mentioned in this column. In some cases when the land was sold/ transferred/  gifted in last jamabandi, it is also mentioned in this column. If the transfer is made in current jamabandi period then its entry is made in column number 12 (remarks column) then the description in column number 12 is final, and entry of column number 4 carries no weight. It will be discussed in detail in column number 12 description.

In column number 5 the detail of possessioner or cultivator is mentioned. If the owners mentioned in previous column are also the possessioner or cultivator of land then the term “ Khudkast (kast means cultivation) va Makboja Malkan “ is mentioned. If it is not the case then the term “Gair Marusi” means temporary unauthorized possessioner as “Kache Mujahire” is mentioned. If it is “Gair Dakhildaar” then it is permanent unauthorized possessioner. Sometimes these possessions are given intentionally to the workers (called as SIRIs) to avoid to come under land ceiling act. But the title is not clear in such cases.

In column number 6 Naam chah etc is mentioned which is not at all important.
In column number 7 number khasra is mentioned. This is the important column of jamabandi. Number Khasra is the number of land holding, which remain same in all the jamabandi. If it is divided in parts it is written as khasra number 1/1, ½ when khasra number is divided in two parts. When khasra number 1/1 is again divided in two parts then it will become 1/1/1 and 1/1/2 and so on. It must be remembered that khasra number will never be changed. If the measurement is in kanal marla system then first murrabha number/ mushkeel number/ rectangle number is written in red ink underlined by two straight parallel lines then khasra numbers are written in black ink. In case of bigha- biswa system only khasra numbers are written with black ink. There is no murrabha number in bigha biswa system. Total number of khasras are mentioned in the end as kittas. E.g. if there are 15 khasras in one khewat then at end total kitta are mentioned as 15.

In column number 8 the area of each khasra is mentioned. Mostly the maximum area is 8 kanal 0 marlas (means one acre). But when the land is not cultivated or hill or desert. Then total area is mentioned in one khasra also which may exceed one acre. Type of land is also mentioned below the area of khasra. If it is not cultivated or some building is constructed over it then “gair mumkin” is written, when irrigated by wells then “Chai” is written, when irrigated by canal, then “Nehri” or “abbi” is written, when it is rainfed then “Barani” is written. In some areas the direction of this piece of land is also mentioned here like “Charda” is written for east direction (rising side of sun) “neevan” for west side, “Pahar” for north side (Himalaya side) and “Dariya” for south side. Sometime type of cultivation is also mentioned like “Bagicha” ( orchard), “Poplar”, Sarkanda or Munji is also written in this column. The total of areas is made at the end of khatuni and then Khewat. It must be noted that total of Kita and area should tally at end of each Khatuani and total of Khatuani should tally at end of Khewat. The khasra and area are not changed in next or previous jamabandi, as the area of land remains constant.

In column number 9, 10 and 11 the detail of lagan etc are mentioned but not important for transaction motive, but its importance may vary from area to area. 

Column number 12 is most crucial column in jamabandi. It is a remarks column and any entry made in this column may change the status of owernership or possession of land. The entry in this column is made through red ink and every entry is having one specific reference number or intkaal number or rapat number. All entries pertaining to sale purchase or any other type of transaction in current jamabandi period is mentioned in this column. In next jamabandi these entries are transferred to khewat or khatunai column of jamabandi. The common practice of entry in this column is like “ Baruae rapat or intkaal number (reference number), date, wallon (by) tranferrer name Bahak or bae (sold)/ rehan (pledge means given possession)/ aadrehan (without possession)/ Hiba (gift deed)/vasihiat (will) etc. khasra number (so and so) kul (total) kita and area banam (in name of) buyer, bank etc.  for amount  (such and such) kar diya hai (have done it). These are followed by signature of patwari or revenue officer.

At last the patwari/ revenue officer give the undertaking as “Tasdik kiya jata hai ki Nakal Mutabik Asal hai” means certify as true copy. Sometime also mention about the fee paid by the applicant for this copy. Now a days computer generated attested copies are also available. But in some area these are very lengthy and unable to understand. 

But the patwari record is the actual and lasted updated record available. It is recommended that while purchasing any land it should be ensured that its entry has been made in records of concerned patwari and is advisable to keep a copy of your transaction entry in your records.

It is a general practice that after the registry is made in sub registrar office, its entry will be made in intkaal registar and the copy of intkaal is issued, its entry is then made in rognamcha (daily diary) of patwari. Then patwari make this entry in jamabani. Until then the entry is made in jamabandi of patwari, the chances of double sale of property, double mortgage of same land to different banks, double charge over same property and occurrence of other fraudulent activity may be there. Hence red ink entry of mutation should be ensured in jamabandi of patwari. In the case of double entry on same property the then the right of person having first entry is the first. 

Sometime when the land is dispersed in different khasras and mutation has been made then only the detail of mutation or rapat is mentioned in main khewat where the area is maximum and only the mutation and rapat number is mentioned in rest khewats. In this case it is advisable to check the complete details of mutation or rapat of that number when the khasra in question is in process of purchase or transfer. Ignoring the number may cause severe consequences in future and drag the property in dispute.

So these are the basics of jamabandi. The terminology and process may vary from location to location. This type of terminology or process is prevalent in north part of India particularly Punjab, Haryana, North part of Rajasthan, Jammu, and part of Himachal Pradesh.
Your feedback and suggestions regarding any omission or mistake are welcome.   



http://revenueterminology.blogspot.in/2013/02/how-to-read-jamabandi-fard-revenue.html

जरूरी है यह सर्टिफिकेट आपके लिए



घर खरीदते समय कई ऐसे डॉक्युमेंट होते हैं जिनकी तहकीकात कर लेना बेहद ही जरूरी होता है। एक्सपर्ट्स की मानें तो इन डॉक्युमेंट के सही नहीं होने पर आपको कभी भी धोखा हो सकता है। इनमें सेल डीड, बिल्डर बायर्स अग्रीमेंट, जीपीए, इन्कम्ब्रेंस सर्टिफिकेट आदि काफी अहम हैं। इन्कम्ब्रेंस सर्टिफिकेट के बारे में बता रहे हैं शंभू नाथ:

लीगल जानकार और वकील मुरारी तिवारी बताते हैं कि इंकम्ब्रेंस सर्टिफिकेट एक बेहद ही अहम दस्तावेज है। इँन्कम्ब्रेंस सर्टिफिकेट एक तरीके से फैक्ट्स रिप्रंजेटेशन है। यदि घर खरीदते समय डिवेलपर्स आपको इंकम्ब्रेंस सर्टिफिकेट दे रहा है तो आप इस बात से पूरे तरीके से बेफिक्र हो सकते है कि उस प्रॉपर्टी पर किसी भी प्रकार की देनदारी नहीं है और वह पूरी तरीके से टाइटल फ्री है। वहीं रियल एस्टेट के एक्सपर्ट्स अखिलेश कुमार मिश्रा बताते हैं कई बार घर खरीदते समय में लोगों के जेहन में कई सारे सवाल कौंधते रहते हैं कि कहीं सेलर ने इस पर लोन तो नहीं ले रखा है, कहीं यह किसी के यहां गिरवी तो नहीं रखा है, इस प्रॉपर्टी पर मुझे लोन मिलेगा या नहीं। तो इन सारे सवालों का जवाब है यह इंकम्ब्रेंस सर्टिफिकेट। अगर आपके पास प्रॉपर्टी का इंकम्ब्रेंस सर्टिफिकेट है तो आपको इन सारे सवालों के बारे में सोचने की कतई भी जरूरत नहीं है।

प्रॉपर्टी में निवेश करना या प्रॉपर्टी बेचनी हो तो यहां क्लिक करें

कहां से बनवाएं?
अखिलेश बताते हैं कि इंन्कम्ब्रेंस सर्टिफिकेट देने का अधिकार केवल और केवल उस इलाके के रजिस्ट्रार यानि तहसीलदार को ही है जिस इलाके में यह प्रॉपर्टी है। इसे बनवाने के लिए तहसीलदार के यहां एक ऐप्लीकेशन देना होता है। ऐप्लीकेशन देने के बाद पटवारी उस प्रॉपर्टी की पूरी तहकीकात करता है। तहकीकात पूरी होने जाने के बाद ही इसे जारी किया जाता है। इसके लिए लगभग 15-20 दिन का समय लिया जाता है।


क्या है इस्तेमाल?
इन्कम्ब्रेंस सर्टिफिकेट से आपको केवल यह मालूम नहीं होता है कि आपकी प्रॉपर्टी पूरी तरीके से टाइटल फ्री है और इसके उपर किसी भी प्रकार की देनदारी नहीं है। बल्कि इसके अलावा भी इससे कई तरह की जानकारी मिलती है। इसके बारे में करण सिंह बताते हैं कि एंकमब्रेंस सर्टिफिकेट आपको यह पुख्ता करता है कि लीगली प्रॉपर्टी पूरी तरीके से सही है। साथ ही कई बैंक ऐसे हैं जो किसी भी प्रॉपर्टी पर लोन देने से पहले प्रॉपर्टी के इंकम्ब्रेंस सर्टिफिकेट की डिमांड करते हैं। यदि आपके पास यह नहीं है तो ऐसे में आपको लोन मिलने में परेशानी भी हो सकती है। इसके साथ ही इसका इस्तेमाल प्रॉपर्टी के लीगल डॉक्युमेंट के रूप में भी किया जा सकता है।

फर्जीवाड़े से रहें सावधान
कई सेलर बेहद ही चालाकी से फर्जी इंकमब्रेंस सर्टिफिकेट भी दे देते हैं। एक्सपर्ट्स ऐसे फर्जीवाड़े से अक्सर सचेत रहने की सलाह देते हैं। अखिलेश बताते हैं कि इन्कम्ब्रेंस सर्टिफिकेट को लेकर एक बार इलाके में तहसीलदार के दफ्तर जरूर जाना चाहिए। इससे चीजें साफ हो जाएंगी। यह सर्टिफिकेट उसी प्रॉपर्टी का बन सकता है जो पूरी तरीके से रजिस्टर्ड हो, बिना रजिस्टर्ड प्रॉपर्टी का सर्टिफिकेट नहीं बन पाएगा।



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