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  • Bhargav Choudhury

Essential Legal Documents to check when buying a property in India : A Complete Checklist

Are you considering purchasing property in India? Congratulations on taking this significant step towards securing your future! However, before you sign on the dotted line, it's crucial to ensure that you have all the necessary legal documents in place to safeguard your investment and avoid any potential pitfalls down the road.

To help you navigate through this process smoothly, we've compiled a comprehensive checklist of the essential legal documents you should thoroughly examine before finalizing your property purchase:

1. Title Deed: This document proves the ownership of the property and establishes the seller's right to sell it. Ensure that the title deed is clear, free from any encumbrances, and in the seller's name.

2. Sale Deed: This legal document transfers the ownership of the property from the seller to the buyer. Verify that the sale deed is properly executed, stamped, and registered as per the local laws.

3. Encumbrance Certificate: This certificate provides information about any existing liabilities or encumbrances on the property, such as mortgages, liens, or legal disputes. Make sure the property is free from any encumbrances that could affect your ownership rights.

4. Land Use Certificate: Confirm that the property is designated for the intended use (residential, commercial, agricultural, etc.) as per the local zoning laws and regulations.

5. Building Approval Plan: If the property includes a constructed building, review the approved building plan from the local municipal authority to ensure it complies with the applicable building codes and regulations.

6. Completion Certificate: For newly constructed properties, obtain a completion certificate from the local authorities, confirming that the construction has been completed according to the approved plan and meets all necessary standards.

7. Occupancy Certificate: This certificate is issued by the local municipal authority after the completion of the construction, indicating that the building is suitable for occupation and complies with all safety and regulatory requirements.

8. Property Tax Receipts: Verify that the seller has paid all outstanding property taxes up to the date of sale and obtain receipts as proof of payment.

9. Power of Attorney: If the seller is not the legal owner of the property and is selling it on behalf of someone else, ensure that they have a valid power of attorney to do so.

10. NOC from Relevant Authorities: Obtain a No Objection Certificate (NOC) from relevant authorities, such as the local development authority, environmental agency, or society management, confirming compliance with all regulations and permissions.

11. Mutation Register Extracts: Check the mutation register extracts to confirm that the property's ownership records have been updated in the local revenue department.

12. Society Documents (for Apartments): If you're purchasing an apartment in a housing society, review the society's bye-laws, share certificate, maintenance agreements, and any other relevant documents.

13. Loan Documents (if applicable): If you're financing the purchase through a bank loan, carefully review all loan-related documents, including the loan agreement, mortgage deed, and loan disbursement schedule.

14. Legal Opinion: Consider seeking legal advice from a qualified property lawyer to review all the documents and ensure that your interests are protected.

By meticulously examining these essential legal documents, you can mitigate risks, avoid legal complications, and make an informed decision when buying property in India. Remember, investing in real estate is a significant financial commitment, so it's essential to do your due diligence and proceed with caution.



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