The simplified guide to property ownership

Buyer’s Guide


What are the documents to be checked before buying a ready flat?

Here is a list of crucial documents that must be verified while purchasing a ready-to-move property :



A sale deed tops the checklist while verifying documents for your new home. It is the core legal registered document, which acts as a proof of sale and transfer of the property. It is advisable to read the fine print and check all terms and conditions before signing the deed.


A Completion Certificate (CC) is issued by the municipal authorities on the completion of the project. Meanwhile, an Occupancy Certificate (OC) is issued by a local government agency once a project is completed and deemed fit for habitation. This certificate reads that the property has been built in accordance with the approved codes and other laws making it suitable for occupancy. Both these documents are mandatory while seeking loans from banks and financial institutions or while applying for water, sanitation, and electricity connection.


The building plan is another document that needs to be cross-checked before finalising a property purchase. Usually, a building plan is approved by the local municipal authority. Also known as a site plan, this document will contain a blueprint of the project, equipment layout, and utilities. Buyers must ensure that the layout of the building or project has been duly approved by the local authorities. Any unauthorised or additional construction runs the risk of being demolished or denied occupancy later on.


It is also important to verify that the property does not have any dues for which a buyer must check the encumbrance certificate. An encumbrance certificate provides evidence that your property has no monetary and legal liabilities. The certificate can be obtained from the sub-registrar’s office where the property has been registered.


This document identifies the owner of the property in government records and establishes their tax liabilities.