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The Certificate of Encumbrance on Property is a fundamental document in the UAE's property sector, essential for various property-related transactions and due diligence processes. This certificate is typically required when selling or purchasing property, refinancing existing mortgages, or conducting property-related legal due diligence. It provides crucial information about any registered mortgages, liens, easements, or other encumbrances that may affect the property's title or usage. The document is governed by UAE federal laws and specific emirate regulations, particularly UAE Federal Law No. 5 of 1985 (Civil Code) and various emirate-specific property registration laws. The certificate serves as an official record of the property's current obligations and restrictions, helping stakeholders make informed decisions about property transactions.

1. Certificate Header: Official letterhead, certificate number, and date of issuance

2. Property Details: Complete identification of the property including plot number, municipality number, location, and total area

3. Owner Information: Full details of the current property owner(s) including name, Emirates ID/passport number, and contact information

4. Existing Encumbrances: Detailed list of all registered encumbrances, including mortgages, liens, easements, and other restrictions

5. Registration Details: Information about the property's registration in the relevant land department, including registration number and date

6. Certification Statement: Official statement certifying the accuracy of the information as of the date of issuance

7. Authority Signature: Signature block for the authorized official from the relevant land department or registry