Understanding Property Documents: A Buyer's Checklist

Verifying property documents is crucial when buying real estate. Here's a comprehensive checklist of documents you should review before finalizing your purchase.

Title Deed

The title deed proves ownership. Verify that the seller is the legal owner and check for any encumbrances or liens on the property.

Sale Deed

This document transfers ownership from the seller to the buyer. Ensure it's properly executed and registered.

Encumbrance Certificate

This certificate confirms that the property is free from any legal dues or mortgages. It's essential for a clear title.

Property Tax Receipts

Verify that all property taxes have been paid up to date. Unpaid taxes can become your responsibility after purchase.

Building Approval

For constructed properties, ensure the building has proper approvals from local authorities and complies with building codes.

No Objection Certificates (NOCs)

Check for NOCs from relevant authorities, especially for apartments in societies or complexes.

Always work with a qualified lawyer to verify all documents before completing your purchase.