When buying a flat in Bangalore, you will need to gather several documents to ensure a smooth and legally compliant transaction. While the specific documentation requirements may vary depending on the builder/developer, the property type, and other factors, here is a list of commonly required documents:
Sale Deed: This document establishes the ownership of the property and provides details of the previous owner(s) and the current owner(s).
Mother Deed/Parent Deed: It is the primary document that traces the ownership history of the property from the time it was first acquired from the government or any previous owner.
Encumbrance Certificate (EC): This certificate indicates that the property is free from any legal dues or encumbrances, such as mortgages, liens, or pending litigation. Typically, the EC should cover the last 30 years.
Khata Certificate and Extract: The Khata certificate and extract are documents issued by the local municipal corporation that confirm the property’s existence and assess property tax liability.
Building Approval Plan: Ensure that the builder has obtained the necessary approvals from the relevant authorities for the construction of the building.
Completion Certificate: This certificate is issued by the local municipal corporation or the appropriate authority to certify that the construction of the building has been completed as per the approved plan.
Occupancy Certificate: This certificate is obtained from the local municipal corporation or authority, indicating that the building is safe for occupancy and has complied with the necessary building codes and regulations.
NOC from relevant authorities: Some projects may require a No Objection Certificate (NOC) from various authorities like the water board, electricity board, pollution control board, etc.
Title Deed Documents: Check for all the documents related to the property’s title, including the previous chain of agreements, registration documents, and any other relevant papers.
Property Tax Receipts: Obtain the latest property tax receipts to ensure there are no outstanding dues.
Identity and Address Proof: Provide your identity proof (such as an Aadhaar card, PAN card, or passport) and address proof (such as an Aadhaar card, voter ID, or utility bills) for verification purposes.
Bank Statements: Submit bank statements for the last 6 to 12 months to establish your financial credibility and eligibility for a home loan, if applicable.
It is important to note that this list is not exhaustive, and additional documents may be required depending on the specific circumstances and the requirements of the builder or financial institution involved. It is advisable to consult a legal professional or a real estate expert to ensure that you have all the necessary documentation in order before proceeding with the purchase.
