Actually an encumbrance is a claim or right held by someone other than a property owner.(i.e., charge against a property by a party who is not the owner of the property.) If a property owner is currently paying a home loan, then the property has a financial encumbrance. Now the EC of the property shows financial charges made on the property. If there are any charges made on the property – financial or legal. You can avail an EC View Online in Tamilnadu. A property with an encumbrance limits the worthiness of the property. And also it limits on how the owner of that property can use it. An Encumbrance Certificate is used to refer as EC in short form. It is a record showing registered transactions pertaining to a property. It plays an immense significance in property transactions. EC is the most commonly used in the context of real estate.