How to Verify Property Documents

Purchasing a property is one of the most significant investments you'll make in your lifetime. Ensuring that all documents are verified and legitimate is crucial to avoid legal complications and financial losses. This comprehensive guide will walk you through every essential document you need to check.

Essential Documents to Verify

1. Title Deed

The title deed is the most important document that establishes ownership of the property. It should clearly mention:

• Current owner's name and details
• Property description and boundaries
• Chain of ownership history
• Any encumbrances or liens

2. Sale Deed

This document records the transfer of ownership from the previous owner to the current owner. Verify that:

• All parties have signed the document
• The document is registered with the sub-registrar
• Stamp duty has been paid appropriately

3. Approved Building Plan

Ensure the construction matches the approved plan by checking:

• Municipal corporation approval
• Building plan sanctions
• Completion certificate
• Occupancy certificate

4. NOC from Various Authorities

Depending on the location, you may need NOCs from:

• Fire department
• Pollution control board
• Airport authority (if near airport)
• Forest department (if near forest area)

Red Flags to Watch Out For

Be cautious if you encounter any of these warning signs:

• Seller reluctant to show original documents
• Discrepancies in property measurements
• Pending legal cases on the property
• Multiple sale deeds for the same property
• Unpaid property taxes or utility bills

Professional Verification

While you can do initial checks yourself, it's highly recommended to engage professionals:

• Property Lawyer: For legal document verification
• Chartered Accountant: For tax-related documents
• Real Estate Agent: For market verification and due diligence

Digital Verification Tools

Many states now offer online verification systems:

• Property card verification portals
• Sub-registrar office websites
• Municipal corporation online services
• RERA website for project verification

Conclusion

Document verification is not just a formality—it's your protection against fraud and legal issues. Take the time to thoroughly verify all documents, and don't hesitate to seek professional help when needed. Remember, it's better to be cautious now than to face problems later.