Introduction
Buying a property is a major investment, but overlooking legal documents can lead to disputes and financial loss. This guide will help you understand which documents to check before signing the deal.
1. Verify the Title Deed
- Ensure the seller has a clear and marketable title.
- Ask for original title documents (not photocopies).
- Cross-check with the local sub-registrar office or land records portal.
2. Check the Sale Deed
- This is the main legal document that proves ownership.
- Confirm the deed is registered with the sub-registrar office.
3. Encumbrance Certificate (EC)
- Shows whether the property is free from legal dues or loans.
- Obtain it from the sub-registrar office for at least 15–30 years.
4. Property Tax Receipts & Bills
- Ask for the latest property tax paid receipts.
- Check utility bills (electricity, water) to ensure there are no pending dues.
5. Approved Building Plan & Completion Certificate
- Verify that the building plan is approved by the local development authority.
- For completed properties, ask for a Completion or Occupancy Certificate.
6. Check for RERA Registration
- For under-construction projects, check RERA registration number.
- Visit the official RERA portal for details.
7. No Objection Certificates (NOCs)
- For apartments, ensure NOCs from water, electricity, pollution, and fire departments.
8. Home Loan Sanction (Optional)
- If taking a loan, the bank will verify the property documents. Use this as an extra layer of security.
✅ Conclusion:
Legal verification is not optional—it’s essential. Always hire a property lawyer to review the documents before signing. This small step can save you from big legal troubles in the future.