Want to Buy a Flat? Hereās What Documents You Need š”
Thinking about buying your own flat? Thatās exciting! But before you jump in, itās very important to have the right documents ready. Without them, getting a home loan can be difficult, or worse, you might face legal problems later. Hereās a simple list of what you need to buy a flat smoothly, especially if youāre buying a new flat from a builder. Documents You Must Have When Buying a Flat 1. Sale Deed This is the most important document. It proves that the builder or seller truly owns the flat theyāre selling to you. 2. Mother Deed / Title Deed This shows the history of who owned the property before. It confirms that the ownership is clear and legal. 3. RERA Registration Certificate If youāre buying a new flat, always check for the RERA registration. This certificate means the project is approved and legal. It protects you from fraud. 4. Approved Building Plan The flat should be built as per the approved plan by the local authorities. This document proves the construction is legal. 5. Encumbrance Certificate (EC) This certificate shows that the flat has no loans or legal claims against it. 6. Property Tax Receipts Make sure the builder or seller has paid the latest property taxes. 7. Possession Certificate When you buy a new flat, this certificate shows the builder has officially handed over the property to you. 8. No Objection Certificate (NOC) You might need this from the builder or housing society, especially if the flat is resale. It means there are no objections or pending dues. 9. Your ID and Address Proof Youāll need documents like Aadhaar card, PAN card, Passport, or Voter ID to prove who you are and where you live. 10. Income Proof To get a home loan, youāll need to show your salary slips, bank statements, or Income Tax Returns (ITR) to prove you can repay the loan. Document Name New Flat (Builder) Resale Flat (Second-hand) Land (Jad se Makaan) Sale Deed Builderās Sale Deed Sellerās Sale Deed Sellerās Sale Deed Mother Deed / Title Deed Yes Yes Yes RERA Registration Mandatory Usually not applicable Not applicable Approved Building Plan Must have Must have Not applicable Encumbrance Certificate Must check Must check Must check Property Tax Receipts Latest Paid Latest Paid If applicable (for developed land) Possession Certificate Builder issues after handover Not applicable Not applicable No Objection Certificate From builder/society From builder/society Usually not applicable ID & Address Proof Buyerās ID proof Buyerās ID proof Buyerās ID proof Income Proof Required for loan Required for loan Required for loan (if loan is taken) Khata Certificate Sometimes required Required in many cities Required Mutation Document Not usually required Required Required Why Are These Documents Important? Banks want to see these papers before giving you a home loan. They check if the property is legal and if you can repay the loan. Without these, your loan can get rejected or you might face problems later. Final Advice Always verify all documents carefully. And if youāre unsure, consult a real estate expert or financial advisor before signing anything. Buying a flat is a big step ā having the right papers will make the journey smooth and safe! People Also Ask (FAQs)







