Definitions for "encumbered"
loaded to excess or impeded by a heavy load; "a summer resort...encumbered with great clapboard-and-stucco hotels"- A.J.Liebling; "a hiker encumbered with a heavy backpack"; "an encumbered estate"
equitable owner estate planning
Burdened with Debt, e.g. Mortgage over land or Bill of Sale over a motor vehicle, or possible caveat lodged.
The status of an item, such as a motor vehicle, on which money is owed.
Keywords:  valid, claim, entity, owns, subject
Owned by one but another entity has a valid claim on the property or security.A...
A property owned by one party on which a second party reserves the right to make a valid claim, e.g., a bank's holding of a home mortgage encumbers property.
is when an asset is owned by one party subject to the legal claims of another party. One example is a homeowner that owns a home that is subject to (encumbered by) the claims of the mortgage holder.
Keywords:  expended, committed, free, funds
Funds which are not free for use because they have been expended or committed.
Property against which a lien, mortgage or other restraint has been placed.
When a lien, mortgage or other restraint is placed against a property.
means that a lender has registered an interest against an item such as a car when it has been used as security for a loan. The interest is an indication that the lender has taken the car as security for the loan.