Essential Documents to Inspect Before Buying a Property
Before buying property in India, essential documents to inspect include the Title Deed, Mother Deed, Encumbrance Certificate (EC), Approved Building Plan, RERA Certificate, and Occupancy/Completion Certificate. Verify the seller’s legal right to sell, confirm the property is free from legal/financial liabilities, and ensure all local municipal approvals are in place.
Key Documents Checklist
- Title Deed (Sale Deed/Conveyance Deed): Establishes the seller’s legal ownership and right to sell.
- Mother Deed: Tracks the ownership history of the property.
- Encumbrance Certificate (EC): Confirms the property is free from legal dues and mortgages.
- RERA Registration Certificate: Ensures the project is registered and legal.
- Approved Building Plan: Verified by municipal authorities.
- Occupancy Certificate (OC): Confirms the building is fit for habitation.
- Completion Certificate (CC): Confirms construction followed approved plans.
- Khata Certificate/Extract: Essential for tax and identification.
- No Objection Certificates (NOC): From fire, water, and environmental departments.
- Property Tax Receipts: Ensures all taxes are paid up-to-date.
Steps for Verification
- Verify Title: Ensure the title is clear, marketable, and free from disputes.
- Check EC: Review the EC for the last 15–30 years to ensure no hidden liabilities.
- Cross-verify RERA: Check the project’s RERA website for compliance and delays.
- Confirm Land Use: Ensure the land is authorized for residential/commercial use.
- Inspect Physical Site: Match the physical structure with the approved plan.
It is highly recommended to engage a property lawyer to conduct a legal due diligence report to avoid future complications