How to Check Property Documents Before Purchase: A Buyer's Guide
Updated: 4th May, 2025
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A clean workspace with property documents, architectural plans, and home model representing professional guidance from a top real estate broker in Mumbai. Ideal for verifying residential and commercial property paperwork, including title deed, RERA certificate, and ownership details. |
Being a reliable real estate consultant in Mumbai and one of the top real estate brokers in Mumbai, I frequently interact with homebuyers eager to buy property – be it their first 1 BHK flat in Mumbai, a high-end apartment for sale, or even a profitable commercial property in Mumbai. Thrill makes reason blind.
Purchasing residential properties or commercial properties is a big expense, and checking legal documents prior to signing on the line is necessary to guarantee your financial and emotional stability.
The following is a comprehensive, fact-filled guide that must be adhered to by all buyers when checking property in Mumbai or other places:
1. Check the Title Deed
The title deed establishes ownership. It should be in the seller's name and free from disputes, loans, or claims.
Check for:
Chain of title (history of ownership)
Free of encumbrance
Sums identity documents
Clear title is a requirement while you view homes, flats for sale in Mumbai, or a house for sale in any city.
2. Locate the RERA Registration Certificate
Irrespective of whether it is an apartment for sale or a ready to move flat in Mumbai, always ensure that it is a RERA property. A registered project under the Real Estate (Regulation and Development) Act ensures that the builder follows legal procedures and timelines.
Why this matters:
Avoids project delays
Protection for buyers under the law
Access to builder's track record
Use the MahaRERA website to verify if your shortlisted properties are registered.
3. Verify the Sale Agreement
The agreement of sale specifies terms of the transaction, payment schedule, carpet area, date of delivery, and penalty.
Tip: Ask your real estate agent to go through it line by line. It should include all promised amenities, charges, and tax details.
4. Ask for the Encumbrance Certificate (EC)
The EC reveals the property free from legal dues or mortgages. It's especially important when buying owners property or making a serious property investment in Mumbai.
Apply for the EC from the sub-registrar office for a minimum of 13 years.
5. Ensure All Government Approvals Are in Place
For under-construction flats near railway station Mumbai or ongoing projects:
Check approved building plans
Verify commencement and completion certificates
Look for occupancy certificate (OC) for completed homes
OC is mandatory for all residential properties to be legally livable.
6. Confirm Property Tax and Utility Bill Payments
Ask the seller for:
Latest property tax receipts
Electricity and water bills
This is often skipped when renting or buying affordable flats in Mumbai or flats for rent in Mumbai but is a critical step.
7. No Objection Certificates (NOCs)
If you buying a resale unit in cooperative housing or a society:
Request a NOC from the housing society
Check for no pending dues or transfer issues
A must when dealing with ready to move flats in Mumbai.
8. Verify Seller Identity and Authority
Ask for:
Aadhar, PAN card
Passport photo
board resolution or power of attorney if a company is selling
When you buy a house with an agent in Mumbai, a professional can help ensure these documents are valid.
Final Thoughts from a Trusted Advisor
The real estate business is booming, but smart buyers must go beyond just finding a house for sale or spotting real estate near me. Legal verification ensures that your dream home doesn’t turn into a legal nightmare.
Whether you're looking for property for sale, rent property in Mumbai, or investing in home sales, always work with a RERA Certified agent in Mumbai or the best real estate agent in Mumbai who understands local law and compliance.
Need help buying property safely?
As a seasoned real estate consultant in Mumbai, I can guide you through safe and smart transactions with verified documentation, builder credibility, and transparent pricing.
Contact me for personalized advice or document checks on your shortlisted property.
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