What all documents I need before buying a property in Bangalore?

There are several documents that need to be verified before buying a property in Bangalore. Here is the list: Sale deed A Sale Deed is the core legal document that provides you with the proof of sale and transfer of ownership of the property from the seller to the buyer. A Sale Deed has to be mandatorily registered. Mother deed It is the parent document that helps to trace the origin/antecedent ownership of the property from the start. It becomes essential to have this document when you own a property in Bangalore. Khata certificate There are two types of Khata in Bangalore - A Khata and B Katha. In simple terms, ‘Katha’ is an account of a person owning a property. ‘A Katha’ has properties listed under BBMP jurisdiction with legal property construction. While ‘B Khata’ properties are not constructed as per the government standards and have illegal construction and registration of such properties is quite difficult. Encumbrance certificate The Encumbrance Certificate (EC) is a record that shows all the registered transactions pertaining to a property in a particular time period. It is issued by the sub-registrar’s office under whose jurisdiction the property falls. RTC Extract/ Pahani The Pahani is a revenue record of tenancy and cultivation (RTC). It includes the rights, tenancy and crops details for the property (such as owners’ details, area of the land, land revenue details, water rate, soil type, nature of possession of the land, liabilities, crops grown etc). BIAPPA/ BDA approval The BDA (Bangalore Development Authority) or BBMP (Bruhat Bengaluru Mahanagara Palike) or BMRDA (Bangalore Metropolitan Region Development Authority) or BIAPPA (Bangalore International Airport Area Planning Authority) is responsible for approving a building plan. Without this approval, the construction is illegal. The authorization of the building can be approved by the jurisdictional Commissioner or an officer authorized by such Commissioner. Apart from this, you also need to look for: a. No objection certificate (NOC) from the bank if the property was bought on loan. b. No objection certificate (NOC) from the association/ Society office/ maintenance office. c. Completion Certification (if under construction) or Occupation Certificate (already completed) d. Conversion certification (if buying a land) - Conversion from Agricultural to Non-Agricultural land. As all the land in Karnataka is considered as agricultural land, it is mandatory to get this certificate to get the property registered.  

Purchasing a property can be a challenging process, especially when documentation is a concern. It will be a burden for the property owner resulting from any document flaws or from the absence of a certain document. Therefore, it is crucial to verify that all the list of documents required for land purchase in Bangalore is in order before investing in real estate in Bangalore.

The legal documents required for purchase of property in Bangalore are as follows;

• Mother/parental deed

• Grant certificate

• Relevant Conveyance deed

• Record of Rights

• Relevant mutation records

• Village map

• Survey map

• Akkarband

• Tippani

• Index of land

• Nil acquisition certificate

• Nil tenancy certificate

• Tehsildar certification stating that nothing is pending in relation to Karnataka Land Reforms Act Sections 79A and B

• A declaration that the property is not grant land from the appropriate authority

• Permission from the appropriate authority is necessary if it is a land grant.

• Certificate of Survey Number Change, if Any

• Encumbrance certificate

• Latest tax paid receipt

• Present possession

These are a list of the legal documents required for purchase of property or agricultural land in Bangalore.

Before buying a property in Bangalore, you should definitely seek legal counsel to know about the list of documents required for land purchase in Bangalore. Legal assistance would help you in avoiding any kind of property related issues.

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Everyone needs to exercise caution while engaging in any real estate transaction given the rise in real estate fraud. I can attest to the fact that purchasing property is a laborious process because I recently purchased an apartment in Mumbai. But, I was cautious and diligent about the list of documents to check before buying a flat.

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I was going through Himanshu’s answer which provided a list of legal documents required for the purchase of property in Bangalore. I’d like to say that I completely agree with him regarding the documents required for buying a flat.

However, I’d like to add a few more documents to check before buying a flat in Bangalore;

• Land-use-certificate:

Before buying a property, it is necessary to check CLU (Change of Land Use). You may get all the necessary information from the CLU, which prohibits building residential homes on commercial or agricultural property. Demand the developer or builder to provide you with this certificate or a copy of the CLU to assure a risk-free land sale.

• The Sale and Purchase Agreement:

One of the key documents to examine is the Selling and Purchase Agreement. It consists of an agreement between the buyer and the seller's set of terms and conditions. One illustration of this is the flat's price. The price of the apartment that both the buyer and the seller have agreed upon would be included in the contract.

• The Building Approval Plan:

According to the requirements of the Building Bylaws, Master Plan, and Local Body Acts, the builder must get the necessary sanctions before beginning construction. There are two parts to this authorisation: Building plans A and layout approval B. 

 

One common oversight made by first-time home buyers is failing to confirm, before making the purchase, that the builder complies with the terms and conditions of the Building Plan and Layout Approval. Spot checks, which are rather common in modern buildings, by the local authorities could have unfavourable effects on noncompliance with the terms and conditions. Hence, it is essential to check this important paper.

• The Possession Letter:

It is another document to look at when purchasing a home in Bangalore. The date on which the buyers will take ownership of the property is stated in a letter of possession that the builder creates.

This document will be generated in the builder's name after receiving the Completion Certificate. But the existence of this letter is not evidence of ownership. The home buyer needs an occupancy certificate to achieve this.

• Allocation Letter:

An allocation Letter is a primary document to verify if you wish to book a property that is still underdeveloped. You can find all the details about paying for the apartment as well as any additional costs for any extra services you might require. You should thoroughly review this document before purchasing properties in Bangalore. When applying for a bank loan, this letter is essential since it includes the required down payment from the buyer.

However, if you want to know about the documents to check before buying a plot in Karnataka are as follows; Title deed, EC, NA order, original land deed, and power of attorney. These are the documents to be verified before buying a land in Karnataka.

I’d like to conclude my answer here about the list of documents to check before buying a flat.

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