The Encumbrance Certificate of Property is a fundamental document in UAE real estate transactions, required by various stakeholders to verify the legal status and any existing claims or restrictions on a property. This certificate is mandated by UAE federal property laws and specific emirate regulations, particularly in Dubai and Abu Dhabi. It provides crucial information about mortgages, liens, legal claims, development restrictions, and other encumbrances that may affect the property's title or usage. The document is typically required during property sales, mortgage applications, legal due diligence, and other significant property transactions. Its contents are verified and certified by the relevant land department or municipality, making it a reliable source of information about the property's current legal obligations and restrictions.
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1. Certificate Header: Official letterhead and certificate number of the issuing authority (e.g., Dubai Land Department, Abu Dhabi Municipality)
2. Property Identification: Detailed information about the property including plot number, property type, location, and area
3. Owner Information: Current owner's details including name, Emirates ID/passport number, and ownership title deed number
4. Encumbrance Status: Declaration of whether any encumbrances exist on the property
5. Existing Encumbrances: List of all registered encumbrances including mortgages, liens, charges, or other restrictions
6. Verification Details: Official stamps, signatures, date of issuance, and validity period of the certificate
1. Historical Encumbrances: Section listing previously discharged encumbrances, used when specifically requested or required by certain authorities
2. Third Party Rights: Details of any registered rights granted to third parties, included when such rights exist
3. Legal Notices: Any pending legal notices or proceedings affecting the property, included when applicable
4. Development Restrictions: Any registered development or usage restrictions, included for properties in master communities or special zones
5. Tenancy Information: Details of registered tenancy contracts, included when relevant to the encumbrance status
1. Schedule 1 - Detailed Property Description: Comprehensive technical description of the property including exact boundaries and coordinates
2. Schedule 2 - Mortgage Details: Detailed information about any registered mortgages including lender details, amount, and terms
3. Schedule 3 - Supporting Documents: List of documents reviewed in preparing the certificate
4. Appendix A - Property Layout: Property floor plan or plot layout, if relevant
5. Appendix B - Photographic Evidence: Recent photographs of the property, if required by the issuing authority
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Encumbrance Certificate Of Property
An official UAE document certifying registered charges, mortgages, liens, and other encumbrances on a property, issued by relevant land departments under UAE federal and emirate-specific laws.
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