New Delhi: Many homeowners believe that once a property is registered in their name, their ownership is completely secure. However, registration alone is not enough to protect against hidden risks. Disputes, outstanding loans, or mismatched records can still put ownership in jeopardy if certain key documents are not verified.
The first safeguard every property owner should ensure is the Encumbrance Certificate (EC). This document, available at the Sub-Registrar’s office, provides a history of all transactions linked to the property and reveals whether there are any loans, mortgages, or legal claims attached to it. Without an EC, you might unknowingly inherit the financial burdens of a previous owner.
Equally important is the Mutation Certificate, which officially records your ownership in municipal or land revenue records. This ensures that property taxes and legal recognition are correctly assigned to your name. Skipping this step can create mismatches in government records, leaving room for disputes later.
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In addition to these certificates, proof of possession plays a vital role. Utility bills such as electricity, water, or gas in your name act as practical evidence that you actually occupy the property. These not only strengthen your ownership claims but also help in legal proceedings, municipal verifications, or even while applying for loans or renting out the property.
Simply having your name on registration papers does not fully secure your property. To truly safeguard ownership, one must verify the Encumbrance Certificate, obtain the Mutation Certificate, and maintain possession documents. Ignoring these steps may seem easy, but the consequences can be costly if disputes arise in the future.
In short, real ownership begins only after completing the paperwork beyond registration. By ensuring that EC, mutation records, and possession proofs are in order, property owners can avoid unexpected liabilities and legal complications, making their investment truly safe.
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