Buying a property is a significant financial decision. Before paying any amount or signing an agreement, it is essential to verify the property’s legal documents, ownership and approvals.
Essential Documents to Verify
1. Title Deed and Ownership Documents
Verify the seller’s ownership and examine previous title documents to establish the chain of title.
2. Land and Development Documents
Examine land ownership, development rights and relevant authority permissions, particularly for leasehold or authority-allotted properties.
3. Litigation and Dispute Records
Check relevant court cases, regulatory proceedings and disputes that may affect ownership or transfer.
4. Encumbrance and Mortgage Records
Check for existing loans, registered mortgages, charges and other recorded encumbrances affecting the property.
5. MahaRERA Registration
For applicable projects, verify the project’s registration, declared completion date and available disclosures on the official MahaRERA website.
6. Approved Building Plans and Commencement Certificate
Check whether the building plans and construction have the relevant approvals from the competent authority.
7. Agreement for Sale
Review the property description, consideration, payment schedule, possession terms, representations, warranties and default provisions before signing.
8. Occupation Certificate (OC)
For completed properties, verify whether the applicable OC has been issued and covers the specific building or wing being purchased.
9. Property Tax and Society Dues
Check outstanding property taxes, maintenance charges and other applicable dues.
10. Society Documents
For resale flats, verify the share certificate, membership records and applicable transfer requirements.
Why Is Property Document Verification Important?
Missing documents, title defects, undisclosed mortgages or approval discrepancies can expose buyers to financial and legal risks. Reviewing the relevant records before committing money helps identify potential issues and supports informed decision-making.
The documents required will vary depending on whether you are purchasing a new flat, resale property, plot or under-construction unit.
Verify Before You Buy
VerifyMyProperty provides property document verification and legal due diligence services to help buyers assess ownership documents, approvals, encumbrances and other relevant legal risks.
Before you pay the token or sign the agreement, make property verification a priority.
