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  2. Unencumbered refers to assets or property without encumbrances, interests by other parties. Creditors have no interest in unencumbered assets as they are free and clear of debts and liens. Unencumbered assets are often easier to transfer than encumbered assets because only the seller and buyer must approve the transaction.
    www.investopedia.com/terms/u/unencumbered.asp
    Indicate the amount of unencumbered transferable and available funds you have in Canadian dollars. This can include the value of any property you own. However, it does not include jewellery, cars or other personal assets.
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