Property Documents Checklist In India

Property Documents Checklist In India

When people come across exciting deals or discounts, they tend to buy things in a rush. However, rushing through the process of purchasing a real estate property would only complicate the process. Property documents checklist is important before buying it.

When it comes to investing years of money in real estate, everyone must be cautious and well-informed. Since there’s a lot of legal documentation involved. Taking care of the property’s legal documents and home loans can finally secure your lawful ownership of the property with no difficulty.

Property ownership is a goal for many of us. However, we cannot deny that it contains a large number of property documents checklists that are difficult to comprehend for the average person. However, understanding this property documents checklist is critical when purchasing a home. Let us try to understand the property documents checklist in-depth to assist you with this.

The Required Documents Before Buying A Home In India

Before you hurry in and buy a business or residential property, you need to have a basic understanding of the paperwork and legal documentation required. The importance of checking documents before purchasing a flat from a builder cannot be overstated.

The most important task in the entire process of purchasing and closing a property is checking the documentation. A complex mix of legal, legislative, and regulatory frameworks is in the documentation process.

The majority of the time, a buyer unaware of all the property documents checklist/legal documentation required for home acquisition. As a result, it is advantageous for the buyer to be informed of all property documents checklist/legal requirements that must be met when purchasing a property.

Here are a few crucial property documents checklists that a buyer should keep in mind while buying a home. The following documents/information requested from the seller:

1. Title/Sale Deed

To start, you must determine who is the present owner of the property, and then, once you have all of the necessary information, you must prepare a deed. This legal document known as a title deed. Although it also known as a sales deed, gift deed, and so on.

This paperwork grants you ownership of the property. This document is also the only proof of ownership if it changes. No one will be able to resell the property in the future without this paperwork.

2. Approval Plan For Construction

You should never put your life savings into something that hasn’t been sanctioned by the government. Keep a close eye on any government permits. Along with government clearances, statutory and regulatory authorities must approve infrastructural facilities such as water, sewage, electricity, environmental clearance, and fire safety, among other things.

Before any construction work can begin, the appropriate government body must approve a building plan. Although legislative requirements range from state to state, a construction project without a building approval plan deemed illegal. The government has the authority to demolish such constructions.

3. Certificate Of Non-Encumbrance

Check for this certificate while purchasing a real estate property, as it guarantees that the property is free of all mortgages. Before registering the property in your name, don’t forget to obtain this certificate.

The owner is responsible for completing mortgages if any before selling the property. Make sure the owner/seller has an encumbrance certificate before purchasing a property. This certificate is available through the sub registrar’s office.

4. Completion Certificate

This document issued by local municipal corporation and states. Whether a certain property was built by building codes or according to an approved plan. Home loans cannot given without this paperwork.

This paperwork is required to obtain services such as water, power, and drainage. It not encouraged for first-time home purchasers to purchase a property without a Completion Certificate. Because the structure is considered illegal without it, which can result in a penalty or even eviction.

If the builder is unable to obtain a Completion Certificate, the buyer may approach the municipal corporation directly and request one.

5. Mother Deed

The Mother Deed is a vital legal document. When a buyer takes out a loan against a property, banks usually demand this document. During the creation of this document, an individual may seek assistance from local authorities.

This legal document assists in tracing the property’s antecedent or original owner. If the mother deed isn’t available, make sure you have certified copies on hand. The registrar’s office can provide certified copies.

As a property buyer, proper verification of this legal document is required. This document will serve as the sole proof of the buyer’s purchase and transfer of the property. This document is necessary for the first buyer of the property.

6. Sale And Purchase Agreement

The Sale and Purchase Agreement is a document that comprises a set of terms and conditions that both the buyer and the seller agree to. The terms and conditions, the possession date, the payment plan, the specs, the data regarding the shared areas and facilities, and so on are all listed in this document.

The developer is also accountable for the property’s construction, according to the agreement. This document must submitted as its whole to acquire a home and obtain a mortgage. Both the buyer and the seller would agree on the value of the property in the agreement.

7. The Letter Of Possession

The Possession letter a document created by the builder that specifies the date on which the buyers will be taking possession of the property. This document created in the builder’s name after the Completion Certificate received.

This letter, on the other hand, does not constitute proof of ownership of the property. If you intend to apply for a house loan, you must provide the bank with an original copy of the possession letter.

8. Extract Certificate / Khata

In English, “khata” means “account.” It’s a statement from the person who owns the land. The khata certificate and the khata extract are two different sorts of khata. A Khata a revenue document that contains information on a property, such as its size, location, and the land on which it is built, to pay property taxes.

It also serves as proof of identity and required when applying for a housing loan. It’s critical to include the Khata Certificate in the home-buying process because it required to apply for electricity and water service.

9. RERA Regulations And Rules

Developers required to register under the RERA Act. Before making a final decision, a buyer must confirm that the project is registered under the RERA. On the official RERA web portal for each state, you can always receive information about the specific property.

Any information on any cases or complaints filed against the developer can be obtained by the buyer. It also aids you in determining the developer’s credibility. If you hire a broker, make sure he or she also registered under the RERA Act.

It’s better not to take your trust in a broker who doesn’t have the RERA registration ID. Also, keep in mind that agents must renew their RERA registrations regularly. Make sure you’re working with the correct person.

One of the most significant advantages of having a regulatory body is that it enforces a standard operating procedure and penalises violators.

10. Letter Of Allotment

If you want to book a home that still being built, you’ll need an Allotment Letter. It contains all of the information on the payment of the flat as well as any other costs that you may be required to pay for any additional services.

This letter is essential when applying for a bank loan since it specifies the amount that must be paid by the buyer. The bank must get the document in its original format. It guarantees the buyer’s advance money is paid and validates that the loan amount is equal to the unpaid amount required for the property purchase.

11. Power Of Attorney

A power of attorney is a legal document in which one person authorises another person to act as the property owner’s legal representative.

The power of attorney holder has the authority to make legal and financial decisions on behalf of the property owner. If necessary, he is even permitted to sell or purchase the property.

What A Buyer Should Avoid Doing Before Buying A Property?

  1. Before signing any document related to a real estate property, get the relevant information.
  2. Keep a safe distance from any unlawful financial dealings.
  3. Don’t trust or agree to conditions that provide tax breaks.
  4. Even if the real estate agent is suggested by your friends, the RERA ID and property registration are the two most critical factors to examine before buying a house.
  5. When someone tries to sell property on someone else’s behalf, the risks of forgery grow. When purchasing a real estate property in the country, avoid going down that road.


This property purchase checklist will help you understand all of the documentation you’ll need to acquire a home or business in India. You can see a lawyer if you need assistance confirming and gathering all of the documents and information. Because each state’s registration regulations vary, the documentation and procedures may also vary.

We at AnalyticsOnline work hard to guarantee that you have a pleasant experience while purchasing a property and advice for buying a house. Our customer-centric approach makes buying a property with us a breeze. Our simple documentation method assists you in resolving all of your concerns so that you can own a property in your name without risking legal consequences.

Frequently Asked Questions-

What are Property Documents?

A property deed is a written and signed legal document that transfers ownership of real estate from the previous owner to the new owner.

What are the important of property documents?

Sale deed and title deed- the most significant document that marks the actual transfer of ownership of the property is the sale dead or title deed. It must be registered with the sub registrar’s office in the jurisdiction where the property is located.

The following is a list of document that are required when purchasing a home. Sale and Purchase Agreement Letter of Possession, Extract Certificate, Certificate of Non- Encumbrance, Completion Certificate, Sale and Purchase Agreement, Certificate of Non-Encumbrance.

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