Legal Checklist Before Buying an Apartment or Villa

Before you sign on the dotted line, make sure your dream home is legally clean and future-proof. Here's what to verify:
Title Deed
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Confirms legal ownership of the property
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Must be in the seller’s name and free from disputes
Sale Deed
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The final proof of ownership transfer
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Must be registered at the Sub-Registrar’s Office
Encumbrance Certificate (EC)
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Shows if the property has any legal dues or loans
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Get EC for at least the past 13–30 years
Building Plan Approval
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Issued by the local municipal authority
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Confirms the construction follows zoning and safety norms
Completion Certificate (CC)
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Confirms the building is constructed as per approved plans
Occupancy Certificate (OC)
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Confirms the building is fit for living
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Mandatory before moving in or renting
Khata Certificate / Mutation Record
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Registers the property in your name for tax and civic purposes
Property Tax & Utility Dues
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Ensure all property tax, water, and electricity bills are paid up to date
No Objection Certificates (NOCs)
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From fire, water, electricity, and environmental departments
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Especially important for large projects
RERA Registration
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Check if the project and builder are registered under RERA
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Visit your state’s RERA portal (e.g., )
Power of Attorney (if applicable)
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Ensure it’s registered and specific to the transaction
Legal Due Diligence
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Get a real estate lawyer to verify all documents and highlight red flags
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