WHAT TO CHECK BEFORE BUYING A HOUSE?

When buying a home in India, it’s crucial to verify key documents to ensure you’re making a secure investment. So, what things to check before buying a flat? You should focus on ten essential records that collectively confirm ownership, legality, compliance and smooth future transfer.

What to Check Before Buying a Home?

• First, the title deed must clearly establish the seller’s ownership and show there are no legal disputes or encumbrances on the property. Without a clean title, the entire transaction is risky.

• Then the sale deed must be registered at the sub-registrar’s office, documenting the sale transaction including parties’ details, property details and payment terms; if it’s unregistered (beyond the 4-month window), its validity is questionable.

• Next, for any housing project, a valid Real Estate (Regulation and Development) Act, 2016 (RERA) registration certificate is important, because it confirms the project is registered under regulatory norms and offers a level of buyer protection.

• The building approval plan issued by the local authority ensures the construction complies with zoning and building regulations this is a legal safeguard.

• Then check the Khata certificate (or revenue record in some states) showing tax-registration details, plot area and ownership for municipal/utility purposes.

• A formal completion certificate (CC) must have been issued after inspection of the finished structure; this shows that the building conforms largely to approved plans and norms.

• After that comes the occupancy certificate (OC) indicating the property is fit for occupancy and that major utilities or services can be enabled.

• Additionally, ensure all requisite No Objection Certificates (NOCs) (from fire, water, pollution, electricity, etc.) are in place, showing regulatory clearances at various stages.

Two documents that often get overlooked: the allotment letter (issued by the developer when you book a flat) which outlines the plot/flat, payment plan and charges, and the possession letter which marks the date you can legally claim the property from the developer.

This is all about, before buying a house what to check.

Wondering what are the things to check before buying a flat? Buying a house is a significant investment, so it’s essential to be thorough. Some of the things you need to check include propert’s location, condition, ownership, legalities, etc.

What Things to Check Before Buying a Flat? 

Here are some key things to check before making a purchase:

1. Budget and Financing:

   • Set a budget: Determine how much you can afford, including down payment and monthly mortgage payments.

   • Get pre-approved: Secure a pre-approval from a lender to understand your borrowing capacity.

2. Location:

   • Neighbourhood: Ensure the area feels safe and meets your lifestyle needs (proximity to work, schools, amenities, etc.).

   • Future development: Check for any planned developments that might affect property value or living conditions.

3. Property Condition:

   • Structural integrity: Look for signs of damage or poor maintenance, such as cracks in the foundation, water damage, or mould.

   • Home inspection: Hire a professional inspector to assess the property’s condition thoroughly.

4. Legal Aspects:

   • Title and ownership: Verify the property’s title to ensure there are no legal disputes or encumbrances.

   • Property taxes and dues: Check the current property tax rates and any homeowners association (HOA) fees.

5. Utilities and Infrastructure:

   • Water, electricity, and sewage: Ensure all utilities are in good working order.

   • Internet and connectivity: Check the availability of high-speed internet and other essential services.

6. Resale Value:

   • Market trends: Research the local real estate market to understand property value trends.

   • Potential for appreciation: Consider factors that might influence future property value, such as location and neighbourhood development.

7. Personal Preferences:

   • Layout and size: Ensure the house meets your space requirements and has a layout that suits your lifestyle.

   • Amenities: Look for features that are important to you, such as a garden, garage, or extra bedrooms.

I hope this gives you an idea of

what to check before buying a property.

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Hello, I can tell you the documents to verify before buying a house. I recently purchased in Delhi and went through all the needed checks, such as the sale deed, mother deed and more.

What to Check Before Buying a Property?

Here are the things you must check while buying a property in India. 

• Verify the reputation and goodwill of the developer before purchasing the property.

• See that the construction quality is up to the mark as per the approved standards

• See that the property is RERA-approved and away from any legal disputes.

• The carpet area of the property.

• Check the locality and the neighbourhood of the property to find the market rate and future of the area.

• The connectivity to the rest of the city.

• The rental and resale value of the property.

• Check the delivery date as most builders keep a buffer period of around 6 months to 1 year. If there are any delays in the possession, you as a buyer are eligible for compensation from the builder.

Documents Before Buying a House What to Check?

Here is a list of documents you must go through before finalising the purchase.

1. The sale deed

2. The mother deed

3. Land Use Certificate

4. The sale and purchase deed

5. The building approval plan

6. Encumbrance certificate

7. The possession letter

8. The completion certificate

9. The Khata certificate

10. The allotment letter

11. No Objection Certificate

This is all I have to say. I hope this helps you to know what are the things to check when buying a house.

Investing in property can be risky if you do not verify all the documents properly. A number of details need to be verified before investing any money, like

• Whether the sale deed is in the name of the person who is trying to sell the property or not

• Any home loan is availed against the property or not

• There is khata certificate available for the property or not

• Encumbrance certificate is available for the property or not, and more

It is better to consult with a legal expert in such a matter. You can get more details about property documents verification here-