Property Documents Checklist: What to Verify Before You Pay
Most property disputes start with paperwork that was never checked. Use this checklist before you pay a token amount or sign an agreement. If anything is missing or unclear, ask a property lawyer to review it.
In this guide
Ownership and title
- Sale deed or allotment / builder-buyer agreement in the seller's name.
- Chain of title — earlier sale deeds showing how the property reached the current owner.
- Encumbrance certificate for a suitable period, showing no pending mortgage or claim.
- Mutation / name-transfer records where applicable.
Approvals and compliance
- Sanctioned building plan and layout approval.
- Completion or occupancy certificate for ready homes.
- RERA registration certificate for new projects — verify it on the state portal.
- Land-use and, for plots, the correct zoning.
Dues and society records
- Latest property-tax receipts and electricity / water bills.
- Society no-objection and no-dues certificate for resale flats.
- Maintenance status and any pending litigation involving the society or builder.
Identity and payments
- Seller's identity and address proof matched to the ownership documents.
- Payments made by bank transfer with proper receipts.
- Original documents shown before final payment — not just photocopies.
When in doubt
A short legal opinion from a property lawyer costs far less than a dispute. Do not rush into a decision because of a 'limited-time' offer — genuine properties will still be there after you have verified the paperwork.
Frequently asked questions
What is an encumbrance certificate?
It is an official record showing whether a property has any registered transactions or liabilities, such as a mortgage, for a specified period.
Is an agreement to sell enough to own the property?
No. Ownership transfers through a registered sale deed after payment of the applicable stamp duty and registration charges.
This article is for general information only and is not legal, tax or financial advice. Rules, rates and charges vary by state and change over time — verify current details with the relevant authority or a qualified professional before you decide.