Essential Documents Needed to Buy a House in India

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Buying a house in India is a significant financial and emotional investment. To ensure a smooth and legal property purchase, having the right documents in place is crucial. Here's a complete list of documents you need when buying a home in India:

1. Sale Deed

The most important legal document that proves the sale and transfer of ownership from seller to buyer. Ensure it's registered with the local sub-registrar.

2. Title Deed

Confirms that the seller has legal ownership of the property. Check if the title is clear and free from any disputes or loans.

3. Encumbrance Certificate

Shows the property is free from any monetary or legal liabilities. It’s essential to ensure the property isn't pledged or mortgaged.

4. Khata Certificate/Extract

Required for registration and property tax payments. It establishes that the property is listed with the municipal records.

5. Property Tax Receipts

Verify that all property taxes have been paid up to date by the previous owner. Outstanding taxes may become your liability after purchase.

6. Occupancy Certificate

Issued by the local municipal authority, it certifies that the building complies with approved plans and is safe for occupancy.

7. Building Plan Approval

Check whether the construction has been approved by local authorities. Unauthorized structures can be demolished.

8. Loan Documents (if applicable)

If you're buying the property with a loan, you'll need sanction letters, loan agreements, and bank NOCs once it's repaid.

9. No Objection Certificates (NOCs)

NOCs from society, builder, or local authorities may be required, especially for resale properties or properties in housing societies.

10. Aadhaar PAN Card

Your identity and tax-related documents are mandatory during registration and loan processing.

Conclusion

Buying property is a big step, and having the correct documents ensures peace of mind and legal safety. Always consult a legal advisor or real estate expert to verify all paperwork before proceeding.