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By NyayKart Legal Team - Experts in RERA, consumer disputes and property law across India. Yes - you can sell a property that still has a home loan on it. But it cannot be sold with an outstanding lien (mortgage) remaining unless the mortgage is addressed as part of the sale. Introduction Yes You Can Sell It, But the Loan Must Be Settled or Transferred In India, a home with an outstanding loan (mortgage) can be sold legally, but the loan cannot remain unresolved at the time of ownership...

By NyayKart Legal Team - Experts in RERA, consumer disputes and property law across India. Introduction In everyday transactions - especially in real estate, rental arrangements and informal commercial deals-parties often exchange a small amount of money upfront known as “token money,” “bayana” or “advance payment.”  This amount is usually paid to show genuine intention to proceed with a transaction. However, an important legal question arises: Is it legal to take or give token money without...

By NyayKart Legal Team - Experts in RERA, consumer disputes and property law across India. This Article written by Kirti Hakke What is an Encumbrance Certificate and Why Do You Need It?  Buying property marks a huge step toward building wealth and stability, but it comes with risks  you might not see at first glance. An old unpaid loan, a forgotten court claim or a hidden lien  could turn your dream home into a financial headache. That's exactly why the Encumbrance  Certificate (EC) exists in...