5 documents you must verify before buying ready-to-move flats

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Check all project documents

Are you planning to buy a ready-to-move apartment? 99acres.com lists the property documents you must check before proceeding with the purchase.

With the implementation of the Real Estate (Regulation and Development) Act (RERA), buyers are skeptical about investing their hard-earned money in under-construction projects. Given that incessant project delays have marred the reputation of under-construction projects, demand for ready-to-move flats has increased manifold.

Another benefit of buying a possession-ready property is that you can choose to move in any time you want or let out the property for rental income. Unlike an under-construction property, a ready-to-move unit will allow you to save your expenses on current accommodation, which can be used to pay installments for the home loan.

Experts advise that prospective buyers should be aware of certain procedures and norms while finalising their purchase decisions. Kartik Gautam, Delhi-based property dealer, states that buyers must be well acquainted with the paperwork involved in the home buying process. Not only will buyers have to furnish details and documents to authorities and the bank, if they are availing a home loan, they must also check certain documents to ensure clear title of ownership and government approvals.

Here is a list of crucial documents that must be verified while purchasing a ready-to-move property:

Sale deed

A sale deed tops the checklist while verifying documents for your new home. It is the core legal registered document, which acts as a proof of sale and transfer of the property. It is advisable to read the fine print and check all terms and conditions before signing the deed.

Completion/Occupancy Certificate

A Completion Certificate (CC) is issued by the municipal authorities on the completion of the project. Meanwhile, an Occupancy Certificate (OC) is issued by a local government agency once a project is completed and deemed fit for habitation. This certificate reads that the property has been built in accordance with the approved codes and other laws making it suitable for occupancy. Both these documents are mandatory while seeking loans from banks and financial institutions or while applying for water, sanitation, and electricity connection.

Building plan

Building plan is another document that needs to be cross-checked before finalising a property purchase. Usually, a building plan is approved by the local municipal authority. Also known as a site plan, this document will contain a blueprint of the project, equipment layout, and utilities. Buyers must ensure that the layout of the building or project has been duly approved by the local authorities. Any unauthorised or additional construction runs the risk of being demolished or denied occupancy later on.

Encumbrance certificate

It is also important to verify that the property does not have any dues for which a buyer must check the encumbrance certificate. An encumbrance certificate provides evidence that your property has no monetary and legal liabilities. The certificate can be obtained from the sub-registrar’s office where the property has been registered.

Mutation certificate

This document identifies the owner of the property in government records and establishes their tax liabilities.

Gautam asserts that it is necessary to be an informed homebuyer as it will help avoid legal hassles in the future. Buyers are advised to seek help from a legal expert for vetting all documents. 


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  • Comments
  • david booth September 21, 20175:23 pm

    Nice post and it’s very informative. I would like to suggest to check the project RERA number also. It will help to home buyers regarding the true info on that project.

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