
Documents for Buying a House
Essential Documents Needed for Buying a House
Buying a house is one of the most significant financial decisions in life. Ensuring you have the correct documents is critical to a smooth purchase process. Here’s a comprehensive guide to the essential documents required when purchasing a home in India.
1. Sale Deed
The sale deed is the primary legal document that establishes the transfer of ownership from the seller to the buyer. It must be registered with the local sub-registrar office.
- Ensure the deed is executed on non-judicial stamp paper.
- Verify all terms and conditions before signing.
2. Agreement to Sell
The agreement to sell outlines the terms and conditions of the property transaction, including price, payment schedules, and handover timelines.
- This document acts as a precursor to the final sale deed.
- It’s legally binding and protects both parties during the transaction.
3. Title Deed
The title deed verifies the seller’s ownership of the property and ensures it is free from any legal disputes or encumbrances.
- Conduct a thorough title search to confirm its authenticity.
- Engage a legal advisor for verification.
4. Encumbrance Certificate (EC)
The encumbrance certificate is proof that the property is free from any financial or legal liabilities, such as unpaid loans or mortgages.
- Obtain this certificate from the sub-registrar office.
- An EC covering the past 10-15 years is typically required.
5. Property Tax Receipts
Property tax receipts ensure that the seller has cleared all dues with the local municipal authorities.
- Verify tax payments for at least the past 3 years.
- Cross-check the property’s identification details in the receipts.
6. Building Plan Approval
The building plan approval ensures that the property has been constructed according to the approved plan and complies with local zoning regulations.
- Check for approval from the municipal authority.
- Ensure there are no deviations in the construction.
7. RERA Registration Certificate
Under the Real Estate (Regulation and Development) Act (RERA), all residential projects must be registered with the state’s RERA authority.
- Check the property’s RERA registration number.
- Verify project details on the state RERA website.
8. Occupancy Certificate (OC)
The occupancy certificate is issued by the local municipal authority, certifying that the property is fit for occupation.
- It ensures that the property complies with building codes and safety norms.
- The OC is mandatory for obtaining utilities like water, electricity, and gas.
9. No Objection Certificate (NOC)
NOCs from various authorities (e.g., fire department, pollution control board, and municipal corporation) confirm that the property complies with regulatory requirements.
10. Loan Documents (If Applicable)
If you’re financing the purchase with a home loan, ensure the following:
- Loan sanction letter from the bank.
- Bank statements reflecting loan disbursements.
- Foreclosure certificate (if applicable, for resale properties).
11. Possession Certificate
The possession certificate is issued by the seller or builder and confirms the handover of the property to the buyer.
- It is crucial for both registration and legal purposes.
- Ensure the date of possession aligns with the agreed terms.
12. Identity and Address Proofs
To complete the transaction, you’ll need personal documents for verification:
- Aadhaar card, PAN card, or passport (identity proof).
- Utility bills, voter ID, or driver’s license (address proof).
13. Power of Attorney (If Applicable)
If you’re buying the property on someone else’s behalf, a power of attorney (PoA) document is required to legally authorize the representative.
Buying a house requires meticulous planning and document verification. Missing even one document could lead to legal complications. Partner with trusted developers like Adani Realty Thane, who ensure transparency and compliance with all legal requirements.
Looking for your dream home in Thane? Explore Adani Realty’s premium projects and experience hassle-free home buying!