Most property problems can be avoided before the purchase, simply by checking the right documents. Here is the short list worth looking for.
By the time a property dispute reaches a lawyer, it is often too late to undo the deal. The good news is that most problems are visible beforehand, in the documents, if you know what to look for. Here is the short list to check before anyone buys a flat.
The core documents
- Chain of title. The sequence of past sale deeds showing how ownership reached the current seller.
- Encumbrance certificate. Confirms the property is free of loans, mortgages, or charges.
- Approved building plan. Shows the construction was sanctioned and matches what exists.
- Occupancy or completion certificate. Proof that the building is legally fit to occupy.
- Property tax receipts. Dues paid up to date, with nothing pending.
For a project or society
If you are buying in a developer project, verify the registration on the State RERA website. Check the no objection certificates from the society or association, and confirm there are no unpaid maintenance dues attached to the flat.
A final tip
Match every name and measurement across the documents. A small mismatch in the spelling of an owner's name or the area of the flat can hold up registration later. Spending a little time on verification before payment is far cheaper than litigation after it.
