How do I find out if a property is under mortgage?
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PGN Property, Real Estate & Documentation Consultant with 21+ years of experience 
Answered on July 20,2022
Check the ENCUMBRANCE CERTIFICATE (EC)
Mortgage details reflect in Encumbrance certificate of the property
For Example: I have taken mortgage from Corporation Bank, I have encircled the bank details in my below encumbrance certificate (EC).
NOTE:
Mortgage details reflect in EC only if the MODT registered in registrar office.
Some banks and private lenders don’t register the MODT and they just collect the title document from borrower, title document includes Registered Deed.
In order to check the mortgage on the property:
- 1st check the EC
- 2nd ask the property owner to show the Registered Deed.
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In Karnataka, we provide assistance to extract FORM 15 EC for property verification. To opt for our service, please Whatsapp to + 9 1 - 9 7 4 2 4 7 9 0 2 0.
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