Buying a flat is a significant investment, and ensuring its legality is crucial to avoid future complications. This detailed guide will help you verify if a flat is legal and identify the essential documents you need to check from scratch. By following these steps and consulting reputable builders in Calicut like Ghazal Builders, you can safely and securely buy a flat. Ghazal Builders are known for their trustworthiness and adherence to all legal standards.
1. Title Deed-One of the Critical Document to Check Before Buying a Flat
Importance of Title Deed
The title deed is the most critical document in property transactions. It proves the ownership of the seller and confirms that they have the right to sell the property.
What to Check
– Ensure the title deed is in the name of the seller.
– Verify the authenticity of the title deed with the local land registration office.
– Check if the title is clear and marketable, meaning there are no disputes or encumbrances.
2. Sale Deed
Importance of Sale Deed
The sale deed is a legal document that records the transfer of ownership from the seller to the buyer. It is executed before the sale is completed and should be registered.
What to Check
– Ensure the sale deed is registered with the local sub-registrar office.
– Verify that the terms and conditions of the sale are clearly mentioned.
– Confirm that the property details match with the title deed.
3. Encumbrance Certificate
Importance of Encumbrance Certificate
An encumbrance certificate (EC) certifies that the property is free from any legal or monetary liabilities, such as mortgages or loans.
What to Check
– Obtain the EC from the sub-registrar’s office.
– Check for any charges, liens, or encumbrances on the property for at least the past 13 years.
– Ensure there are no outstanding mortgages or legal disputes.
4. Approved Building Plan
Importance of Approved Building Plan
The approved building plan ensures that the construction of the building complies with the regulations and has been approved by the local municipal authority.
What to Check
– Verify the building plan approval by the local municipal corporation or development authority.
– Ensure the construction is as per the approved plan.
– Check for any deviations or illegal constructions.
5. Completion Certificate and Occupancy Certificate
Importance of Completion and Occupancy Certificates
A completion certificate (CC) confirms that the building construction is completed as per the approved plan. An occupancy certificate (OC) certifies that the building is safe for occupancy.
What to Check
– Ensure the builder has obtained the CC from the local municipal authority.
– Verify the OC to confirm that the flat is ready for occupancy and adheres to all safety norms.
– Check for any pending dues or issues before obtaining the OC.
6. Land Use Certificate
Importance of Land Use Certificate
The land use certificate ensures that the property’s land is authorized for residential purposes.
What to Check
– Obtain the land use certificate from the local development authority.
– Confirm that the land is designated for residential use.
– Ensure there are no restrictions or violations related to land use.
7. No Objection Certificates (NOCs)
Importance of NOCs
No objection certificates from various authorities ensure that the property complies with local laws and regulations.
What to Check
– Obtain NOCs from the fire department, water department, electricity board, and pollution control board.
– Ensure the builder has acquired all necessary NOCs.
– Verify that there are no legal objections to the construction and occupation of the flat.
8. Possession Letter
Importance of Possession Letter
The possession letter is issued by the builder and indicates the date of possession of the flat.
What to Check
– Ensure the possession letter is duly signed by the builder.
– Verify the possession date and terms of possession.
– Check for any conditions or pending work mentioned in the possession letter.
9. Allotment Letter and Builder-Buyer Agreement
Importance of Allotment Letter and Builder-Buyer Agreement
The allotment letter and builder-buyer agreement outline the terms and conditions of the sale, including payment schedules and possession date.
What to Check
– Ensure the allotment letter mentions the flat details, including floor number and unit number.
– Verify the terms and conditions mentioned in the builder-buyer agreement.
– Check the payment schedule and ensure it aligns with your agreement.
10. Mutation Register Extract
Importance of Mutation Register Extract
The mutation register extract is a record of the property transfer in the local municipal records, confirming the change of ownership.
What to Check
– Obtain the mutation register extract from the local municipal office.
– Verify that the property is registered in the name of the seller.
– Ensure there are no discrepancies or issues with the ownership records.
Flat Purchase: Legal Docs & Govt Sites
Title Deed
Sale Deed
Encumbrance Certificate (EC)
Approved Building Plan
Completion Certificate and Occupancy Certificate
Land Use Certificate
No Objection Certificates (NOCs)
Possession Letter
- Local Sub-Registrar Office
Allotment Letter and Builder-Buyer Agreement
- Local Sub-Registrar Office
Mutation Register Extract
- Local Municipal Office
Conclusion
Ensuring the legality of a flat before purchasing is crucial to avoid future legal complications. By thoroughly checking the essential documents such as the title deed, sale deed, encumbrance certificate, approved building plan, completion and occupancy certificates, land use certificate, NOCs, possession letter, allotment letter, builder-buyer agreement, and mutation register extract, you can make an informed and secure investment. Always consult with a legal expert to verify the authenticity of these documents and ensure a smooth and hassle-free buying process.
Most trusted builders in Calicut, Ghazal Builders, can offer assurance and ease of the buying procedure to anyone searching for a flat for sale in Calicut.We ensure full compliance with legal standards to protect your real estate investment.
To know more about trusted builders in calicut-ghazal builders do Contact Us.