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Incumbrance (Noun)

Any obstruction that impedes or is burdensome.

Nouns denoting man-made objects.

The heavy debt was a significant incumbrance on the company's ability to invest in new projects.
The lack of public transportation in the area was a major incumbrance for people who relied on buses to get to work.
The old, outdated software was an incumbrance to the team's productivity and efficiency.
The incumbrance of her physical disability made it difficult for her to participate in certain activities.
The bureaucracy and red tape were a major incumbrance to the development of the new business.

A charge against property (as a lien or mortgage).

Nouns denoting possession and transfer of possession.

The mortgage on the house was a significant incumbrance for the homeowner, limiting her ability to take out further loans.
The lawyer carefully reviewed the property deed to check for any hidden incumbrances before advising the client to proceed with the purchase.
The bank placed an incumbrance on the property to secure the loan, which would be lifted once the debt was paid in full.
The incumbrance on the land made it difficult for the farmer to sell the property, as potential buyers were deterred by the outstanding debt.
The homeowner was unaware of the incumbrance on the property, which was only discovered during the title search prior to the sale.

An onerous or difficult concern; "the burden of responsibility"; "that's a load off my mind".

Nouns denoting cognitive processes and contents.

The weight of her family's financial struggles was a constant incumbrance on her mind.
His chronic illness had become a significant incumbrance, making everyday tasks a struggle.
The new employee felt that her lack of experience was an incumbrance that hindered her ability to complete tasks efficiently.
Raising three young children was an incumbrance that made it difficult for her to pursue her own career aspirations.
After her divorce, the alimony payments became an incumbrance that strained her already tight budget.