Buying a house or plot is a big step. It gives peace of mind only when all documents are clear. Many buyers face trouble later because they skip verification. You can avoid this by checking papers the right way. Here is a simple guide.
1. Check the Title Deed
The title deed shows who owns the property. Ask for the original copy. Make sure the seller’s name matches. Confirm it with land records at the registrar office. If the title is disputed, walk away.
2. Look for Encumbrance Certificate
An encumbrance certificate proves the land is free from loans or legal dues. You can get it from the sub-registrar office. It will list all past transactions. If there is a bank loan or claim, do not buy.
3. Verify Sale Agreement
The sale agreement should mention price, size, and conditions. Read every line carefully. Both buyer and seller must sign. Get it stamped and registered. This protects you if any issue comes later.
4. Check Land Use Approval
Not every plot is for housing. Some land is for farming or industry. Ask for land use approval from local authorities. Buying without this can cause demolition or heavy fines.
5. Review Tax Receipts
Ask for past property tax bills. Taxes must be paid up to date. If not, you may need to clear old dues. Make sure the seller has no pending bills.
6. Confirm with Local Authority
Each city or town has a planning body. Visit them to check if the layout is approved. Illegal layouts can never get water, power, or building permission.
7. Get a Lawyer’s Opinion
Hire a property lawyer. They can check hidden risks in documents. A small fee today can save lakhs later.
8. Ask for Mother Deed
The mother deed traces the ownership history. It shows the chain of past owners. This makes it easy to track disputes. If the seller cannot give it, ask the registrar office.
9. Bank Approval Helps
Banks approve home loans only after checking documents. Even if you do not need a loan, ask banks if the project is approved. This gives extra safety.
10. Physical Check is Must
Do not rely only on papers. Visit the site. See the boundary, access road, and nearby landmarks. Match them with documents.
Final Words
Buying property is safe if you are alert. Do not rush. Cross- heck every document with the right office. Take legal help when in doubt. A few extra steps before buying can save you from years of stress.
