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Tagged “encumbrance”

A well-kept two-storey house with a wooden-clad balcony, flowering bougainvillea and a closed slatted gate stands on a quiet, tree-lined colony road. Buying guides8 min read नीलामी की प्रॉपर्टी — सस्ती है, पर साफ़ है?

Buying property at a bank auction

A bank e-auction sells a property 'as is where is'. What that phrase hands to the buyer, how the payment clock runs, and five checks to make before you bid.

3 Oct 2026 A loan officer in a sari hands a brown leather folder across a wooden desk to a customer seen from behind, in a busy bank office. Money7 min read बैंक क्या-क्या जाँचता है?

What the bank checks before it lends on a property

Before a home loan, a lawyer and a valuer examine the property at the bank's cost. What each one checks, and why a refusal is information.

3 Oct 2026 A narrow record room lined with metal shelves stacked with bundles of old files tied with string, lit by one bare bulb. Papers & law7 min read साफ़ टाइटल एक ज़ंजीर है।

Clear title is not a certificate: how to read the chain of title

Nobody issues a certificate saying your land is fine. Clear title is a chain of owners with no gap, traced back thirty years. How to read it, and its limits.

3 Oct 2026 A thick stack of old, worn papers tied with jute twine lies on a dark wooden table Papers & law7 min read काग़ज़ पूरे हैं?

The five documents that decide whether land is safe

The land is usually fine; the paper decides. The five documents that separate a plot you can build on from one you can only argue about, and how to read each.

8 Sep 2026 A padlocked iron gate between concrete pillars opens onto an empty walled plot, with a neem tree and half-built houses beyond at sunset Papers & law9 min read इस ज़मीन पर किसी का हक़ तो नहीं?

The encumbrance question: is a loan or a court order already on the land?

A plot can carry a mortgage, a court attachment or a pending suit you cannot see from the gate. What an encumbrance certificate shows, and what it misses.

8 Sep 2026

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