Tvoy Raschet

Encumbrance: what it is

A restriction on the owner's rights recorded in the register: a mortgage, an arrest, a lease, an annuity (rent). With an encumbrance, selling or gifting the property is harder or impossible without a third party's consent.

In Russian: Обременение·Obremenenie

Loans and mortgages Checked by the editorial team Checked: September 2026
Document templateFlat sale and purchase agreement

In Russia, Kazakhstan and Belarus

Russia

Encumbrances on real estate are shown in an extract from the EGRN, the state property register — you can order one on Gosuslugi or at an MFC. After a mortgage without a mortgage note is fully repaid, the bank as a rule applies to Rosreestr itself to remove the encumbrance.

Kazakhstan

In Kazakhstan encumbrances on real estate are recorded in the legal cadastre; a certificate of registered rights and encumbrances can be obtained on eGov.

Belarus

In Belarus restrictions (encumbrances) on rights to real estate are registered by the National Cadastral Agency; the information can be obtained on request.

Sources: Rosreestr, the Federal Service for State Registration, Cadastre and Cartography («Росреестр»), Federal Law No. 102-FZ on Mortgage (Pledge of Real Estate) («Об ипотеке (залоге недвижимости)»)

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

Related terms

Pledge (collateral)A way to secure a debt: if the borrower doesn't pay, the lender can sell the pledged item — a flat, a car, valuables — and take what it is owed from the proceeds.Mortgage noteA security that confirms the bank's right to the mortgage debt and to the pledged flat. The bank can sell it to another lender — your loan terms do not change because of this.Extract from the property register (EGRN)A document from the state real estate register: who owns a flat or plot of land, its area and cadastral value, and whether there is a mortgage, an arrest or other restrictions.Sale and purchase agreementAn agreement under which the seller transfers a thing into the buyer's ownership and the buyer pays for it. It is how you buy a flat, a car or any other property.

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