⚖️ Checking Encumbrances, Liens, and Disputes on Property

Even if a property appears legally clear, it might be under financial or legal restriction. Here’s how to check for:

1. Encumbrances
   These include mortgages, unpaid taxes, or utility arrears. Ask for an Encumbrance Certificate from the land records office.

2. Liens by Banks or Institutions
   If the seller used the property as loan collateral, it may be claimed by the bank in case of default. Request a No Dues Certificate from the lender.

3. Pending Legal Cases
   Search district court records using the seller’s name or property address. Some provinces also allow online judicial record searches.

4. Society or Developer Dues
   If the property is in a housing or commercial society, get a No Objection Certificate (NOC) from the society to ensure no fees or dues are pending.

5. Utility Bills Clearance
   Ask for recent receipts for electricity, gas, and water bills. Any unpaid bills can legally bind the new owner.