Top 10 Property Documents to Verify Before Buying Your Dream Home
Buying a home is a major life decision, and verifying essential property documents is crucial to avoid legal complications later. Whether you’re investing in a ready-to-move flat or an upcoming project like Birla Evara in Sarjapur Road, Bangalore, here are the top 10 documents you must verify before signing on the dotted line.
- Sale Deed
This is the core legal document that establishes ownership. It proves that the seller has transferred the property rights to the buyer. Ensure it’s registered with the sub-registrar.
- Title Deed
The title deed confirms the seller’s legal ownership. Always check for a clear, marketable title and ensure it’s free of disputes or encumbrances.
- Khata Certificate & Extract
Especially important in Bangalore, the Khata is required for property tax assessment and legal ownership. This document is necessary to obtain building permits and home loans.
- Encumbrance Certificate
This document assures that the property is free from monetary or legal liabilities. Request it for at least the last 15 years.
- Approved Building Plan
Verify that the construction has been approved by local authorities like BDA (Bangalore Development Authority). Projects like Birla Evara clearly mention plan approval numbers, adding credibility.
- Occupancy Certificate (OC)
An OC is issued by the municipal authority after construction is complete and confirms that the building complies with the approved plan.
- Completion Certificate
This document certifies that the construction has been completed according to approved norms and is essential for getting an OC.
- RERA Registration
Ensure the property is registered under RERA. It guarantees transparency and protects buyer interests. Although Birla Evara has BDA plan approval, RERA registration is the next critical step.
- NOC from Banks
If the seller had taken a loan on the property, get a No Objection Certificate from the bank confirming loan clearance.
- Property Tax Receipts
Check and clarify that the property taxes have been paid up-to-date by the current owner or builder.
Verifying these documents ensures a smooth, hassle-free homebuying experience. Whether you’re looking at projects on Sarjapur Road or other parts of Bangalore, informed decisions protect your investment for the long term.
