Documents to verify before buying a house

When purchasing a house in India, it is essential to verify several documents to ensure a legally secure transaction and to avoid future disputes. Here is a comprehensive list of documents you should review.

1. Title Deed: This verifies the ownership of the property. 
2. Sale Deed: This is the core legal document that transfers ownership of the property from the seller to the buyer. 
3. Encumbrance Certificate or EC : This  confirms that the property is free from any monetary or legal liabilities, such as mortgages, liens, or pending litigation. 
4. Mother Deed: This document traces the ownership history of the property. It is crucial for establishing the legitimacy of the property’s chain of ownership. 
5. Building Plan Approval: Ensure that the building plan has been approved by the local municipal authorities.. 
6. Occupancy Certificate: Issued by the local municipal authority, this certificate confirms that the property is ready for occupancy and has been constructed according to approved plans and regulations. 
7. Property Tax Receipts: Verify that the property tax has been paid up to date. 
8. NOC from Relevant Authorities: Depending on the property’s location, you may need a No Objection Certificate or NOC from various authorities such as the local municipal body, fire department, or pollution control board. 
9. Possession Certificate: This certificate is provided by the builder to the buyer stating the date of possession. It is particularly important for new constructions. 
10. RERA Registration: For new projects, ensure that the property is registered with the Real Estate Regulatory Authority (RERA) and verify the RERA registration number.