Property Documents Checklist Verify before you buy
Always consult a qualified lawyer for a full title search. This checklist helps you ask the right questions and collect the right papers early.
A) Ownership & title
- Sale deed / conveyance deed (current owner’s proof).
- Chain of title documents (previous transfers, if applicable).
- Encumbrance certificate / lien status (as applicable).
- Mutation / khata / property card entries (where applicable).
B) Approvals & compliance
- Approved layout/building plans and commencement permission.
- Occupancy/Completion certificate (for ready/near-ready projects, where applicable).
- RERA registration details (for applicable projects/phases).
C) Financial & payment proofs
- Demand schedule and payment receipts.
- NOC from lender (if resale and loan closed) / loan statement (if any).
- Society NOC (where applicable) and maintenance dues clearance.
D) Tax & utility
- Latest paid property tax receipts.
- Electricity/water bills and meter transfer process details.
E) Agreement & handover
- Agreement to sell / builder-buyer agreement (key clauses, penalties, possession date).
- Final sale deed + stamp duty & registration proof.
- Handover letter, keys, and inventory/fixture list (if applicable).
Frequently Asked Questions
1. What is the most important document to check before buying property?
The title deed (sale deed / conveyance deed) is the most critical document. It proves the seller's legal ownership. You should also obtain an encumbrance certificate to confirm the property has no outstanding loans or legal disputes. Always have a qualified lawyer conduct a full title search.
2. What is an encumbrance certificate and why do I need it?
An encumbrance certificate (EC) is issued by the sub-registrar's office and lists all registered transactions on a property—mortgages, legal disputes, and ownership transfers—for a specific period. It confirms the property is free from financial or legal liabilities. Lenders require it, and you should get one covering at least the last 13–30 years.
3. Do I need RERA documents before paying a booking amount?
For projects covered under RERA, you should verify the RERA registration number on your state's RERA portal before paying any amount. The portal will show the project's approved plans, promoter details, and delivery timeline. Never pay for an unregistered project that should be registered under RERA.
4. What documents should I collect at the time of property handover?
At handover, collect the original sale deed, stamp duty and registration receipts, occupancy/completion certificate (if applicable), NOC from the builder/society, possession letter, and a copy of approved building plans. Keep an inventory of any fixtures included. Store all documents digitally as backup.
5. How do I verify a builder's legal track record?
Check the builder's RERA registration and track record on the state RERA portal. Look at past projects for on-time delivery and litigation history. Review approved building plans and land ownership documents. You can also check court records for any ongoing disputes. Consulting a property lawyer for a background check is strongly recommended.
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