All restrictions and annotations recorded on the title deed.
Every entry that affects the transfer of a property, such as a mortgage lien, an attachment, a usufruct right, an annotation of a promise to sell or an expropriation annotation, is together called an encumbrance. All of them appear on the encumbrance certificate from the land registry office.
It is the first document to look at before a sale. A property with encumbrances can be sold, but the buyer must know what they are taking on; on a flat with a lien the deed does not pass until the debt is cleared.
Related terms
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