Top 10 property documents to check : Apna ghar lena kisi bhi insaan ke life ka sabse bada sapna hota hai. Par jaha sapne hote hain, waha kaafi paperwork bhi hota hai. Aur agar documents theek na ho, toh sapna ek nightmare ban sakta hai.
Agar aap apna dream home lene ja rahe ho, toh yeh “Top 10 property documents to check” blog aapke liye ek property toolkit jaise kaam karega. Chahe property naye builder se ho ya resale wali ho, yeh saare documents verify karna mandatory hai – warna aage chal kar legal jhanjhat ho sakti hai.
Yaha hum aapko batayenge un Top 10 property documents ke baare mein jo har homebuyer ko check karne chahiye before investing.
✅ 1. Title Deed – Property Ka Malik Kaun Hai?
Sabse pehla aur important document hai Title Deed. Isse pata chalta hai ki property ka asli owner kaun hai. Ismein likha hota hai ki property ka title kis ke naam pe registered hai.
Check karna chahiye:
- Title deed clear hai ya nahi?
- Kya koi legal dispute ya loan toh pending nahi?
- Agar resale property hai, toh Mother Deed bhi dekhni chahiye, jismein pura ownership history hota hai.
📝 2. Sale Deed – Ownership Transfer Ka Proof
Ye document proof hai ki property legally seller se buyer ke naam transfer ho chuki hai. Sale deed ke bina property ka ownership claim nahi kiya ja sakta.
Sale Deed must include:
- Seller aur buyer ka naam
- Property ka address aur details
- Agreement amount
- Stamp duty aur registration details
Tip: Isse execution ke 4 mahine ke andar registrar office me register karwana zaroori hota hai.
🏢 3. RERA Registration Certificate – Builder Pe Trust Hai Ya Bluff?
Aaj kal har project RERA (Real Estate Regulatory Authority) ke under aata hai. Agar property RERA me registered nahi hai, toh builder se koi accountability nahi banegi.
Check RERA Number online:
RERA website pe jaake aap builder ka registration status dekh sakte ho.
Kab Zaroori Hai?
- Agar land area 500 sq. m. se zyada hai
- Ya 8 ya usse zyada flats hon project mein
RERA ka number hone ka matlab hai – project genuine hai aur aapka paisa safe hai.
🧾 4. Building Approval Plan – Local Authority Ka Green Signal
Yeh ek official document hota hai jo local municipal authority issue karti hai. Isse pata chalta hai ki construction proper rules, zoning regulations, aur FSI (Floor Space Index) ke according ho raha hai.
Bina approval ke construction illegal maana ja sakta hai.
Zaruri hai ki aap plan ke layout ko compare karein site pe ban rahe actual structure se.
🧾 5. Khata Certificate – Tax Bharo, Legal Raho
Khata ek aisa document hai jo aapke naam pe municipal records me aapki property ko record karta hai. Mostly Karnataka jese states me yeh mandatory hai.
Kaam aata hai:
- Property tax bharne ke liye
- Water/electricity connection lene ke liye
- Legal transactions ke liye
Khata certificate aur Khata extract dono check karna important hota hai.
🏗️ 6. Completion Certificate (CC) – Construction Pura Hua?
Yeh certificate local development authority deti hai jab building construction poori tarah se complete hoti hai aur approved plans ke hisaab se ki gayi hoti hai.
Important kyun hai?
- Iske bina aapko occupancy certificate nahi milega
- CC ke bina utility connections lena bhi mushkil ho sakta hai
Isliye possession lene se pehle CC ka copy lena must hai.
🧾 7. Occupancy Certificate (OC) – Ab Ghar Me Reh Sakte Ho
OC local municipal authority deti hai jab wo verify karti hai ki building rehne layak hai. Isme check hota hai:
- Fire safety
- Structural safety
- Sewage, drainage systems etc.
Bina OC ke:
- Legal trouble ho sakta hai
- Home loan approvals me dikkat
- Property resale me dikkat
OC is must before shifting!
❌ 8. NOCs – Multiple Authorities Se Green Signal
Builder ko kai alag-alag departments se No Objection Certificates (NOCs) lene hote hain, jaise:
- Fire department
- Water board
- Electricity department
- Pollution Control Board
State ke hisaab se NOCs alag ho sakti hain. Har NOC ka copy buyer ke paas hona chahiye.
📄 9. Allotment Letter – Under Construction Flats Ke Liye
Agar aap under-construction flat le rahe ho, toh builder aapko Allotment Letter deta hai jisme:
- Flat ka number
- Area
- Payment schedule
- Additional charges
likhe hote hain. Is document ki zarurat hoti hai home loan apply karne me bhi.
🧾 10. Possession Letter – Welcome to Your New Home!
Yeh wo letter hota hai jo builder deta hai jab flat ready ho jaata hai possession ke liye. Isme likha hota hai ki kaunse date ko aap property occupy kar sakte hain.
Important Note:
Yeh sirf possession ka proof hota hai, ownership ka nahi. Ownership legally sirf Sale Deed se hoti hai.
📌 Bonus Checklist Table – Ek Nazar Me Documents
| S. No | Document Name | Kya Check Karein? |
|---|---|---|
| 1 | Title Deed | Clear title, no dispute |
| 2 | Sale Deed | Registered, stamp duty paid |
| 3 | RERA Certificate | Project registered on RERA |
| 4 | Building Approval Plan | Approved by municipality |
| 5 | Khata Certificate | Name updated in records |
| 6 | Completion Certificate | Construction complete per law |
| 7 | Occupancy Certificate | Building safe for living |
| 8 | NOCs | All government departments cleared |
| 9 | Allotment Letter | Flat & payment details |
| 10 | Possession Letter | Ready for handover |
📞 Final Thoughts: Smart Buyer Bano, Smart Documents Check Karo
Ghar kharidna ek emotional aur financial decision hota hai. Aur agar documents verify nahi kiye, toh ye decision ek bada legal mess ban sakta hai.
Toh bhaiya ya didi, ye “Top 10 property documents to check” apne checklist me likh lo. Documents verify karne se aapke sapno ka ghar truly ek “dream home” banega, na ki ek legal headache!
📣 Call To Action (CTA)
Agar aap Mohali, Sunny Enclave, ya Chandigarh area me ghar lena chahte ho, ya FREE Document Verification karwana chahte ho, toh mujhse contact karo:
📲 Vineet – 9569958177
📍 Your Local Real Estate Expert
📸 Follow on Instagram: @unique__realtor
🤔 FAQs – Ghar Kharidne Se Pehle Poochhe Jane Wale Sawaal
Q. Kya bina OC ke ghar lena sahi hai?
❌ Nahi. Occupancy Certificate bina ghar lena illegal maana ja sakta hai.
Q. Khata certificate har state me zaroori hai?
✅ Nahi, lekin kuch states me mandatory hai. Local authority se confirm karna chahiye.
Q. RERA registration kaise check karein?
🧾 RERA ki official website pe project ka registration number enter karke verify kar sakte hain.
