Typical documents include the title chain and sale deeds, approved plans, commencement and occupancy certificates, tax receipts, society or association no-objection letters and, for land, the revenue records.
Example
A resale checklist in Pune
For a resale 2 BHK in Kothrud, Pune, the buyer’s lawyer asks for the sale deeds going back about 30 years, the society share certificate and NOC, the latest property tax and maintenance receipts, the building’s OC and approved plan, the 7/12 or property card for the land, and an encumbrance search at the sub-registrar to confirm there are no loans recorded on it.
Figures are illustrative, not market rates.
Across India
- Maharashtra: 7/12 extract and property card; housing society share certificate and NOC for flats.
- Karnataka: khata certificate and extract, and encumbrance certificate from the sub-registrar.
- Tamil Nadu: patta and chitta for land, with an encumbrance certificate from the registration department.
- Uttar Pradesh: khatauni for land and, in development-authority sectors, the authority’s allotment and transfer papers.
Questions about Property documents
What is an encumbrance certificate?
It is a statement from the registration department listing the registered transactions on a property, such as sales, mortgages and gifts, for a chosen period. A “nil” encumbrance for the period shows no registered charge. Many states let you search or apply online.
How far back should the title chain go?
Lawyers commonly trace title for several decades so that every transfer, inheritance and mortgage is accounted for. The exact period depends on the lawyer and the lender. Any gap, such as a missing deed or an unrecorded heir, should be fixed before the token is paid.
Which documents do banks ask for on a home loan?
Lenders typically want the agreement for sale or sale deed, the title chain, approved plans, CC and OC, the RERA registration for new projects, tax receipts and society or builder NOCs. Each bank has its own list, and missing papers are a common cause of delayed disbursement.
Sources
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