Documents to be Produced while Purchasing a Property


Buying a property is everyone’s dream come true, but there have been cases when it has turned into a nightmare for an unfortunate few. The takeaway lesson from such unfavourable scenarios is that you have to be diligent enough while reviewing the documents of your new property deal.

The need to scrutinize the property documents cannot be over-emphasized and you have to be emphatic in demanding for all the documents required to clear any doubts in your mind. You will also need to check that all the features and amenities mentioned in the glitzy brochures actually exist on ground too.

Here is a list of some of the documents you need to go through first:

Sale deed: This is the core document that is proof of sale and transfer of ownership from the seller to buyer and needs to be registered to become valid with the local authorities. However, before signing the deal, check that there is a clear title deed and that there is no encumbrance attached to the property. Also ensure that all water, electricity, and tax payments are up-to-date.

Mother deed: Also known as the parent deed, it provides the chain of ownership of the property till date. In its absence, you should avail certified copies so that the sequence can be updated with you as the current owner.

Approved Building plan: A building plan designed by a registered architect needs to be approved by the Development Authority first.

Commencement certificate: This legal document is issued by the local authorities after site inspection allowing the commencement of construction. Without this, the building becomes illegal.

Encumbrance certificate: This certificate is sought to throw up any transactions or loans taken against the said property. You will need to see this too before signing on the sale deed to ensure there are no liabilities attached to the property.

Latest Tax receipts: Receipts for up-to-date property and building tax ensure that you don’t have to end up paying for them after the sale deed is signed. You will need to ask the seller for the originals to also ensure that the said property belongs to the seller, and not that he just has building rights to it. These minor details could cause problems later on if not scrutinized properly.

Completion certificate: This is issued by the local authorities and denotes that the building is in compliance with regulations and is in accordance with the original plan. This document is also important at the time of sale.

Occupancy certificate: This certificate is issued by the local authorities after inspection and needs to be scrutinized before possession of the property. It essentially means that the building is ready for occupancy.

It is advisable to seek help from a property lawyer to help you deal with the document review process to ensure that everything is in place.