What Documents are Needed to Check While Buying a Resale Property?

Buying a resale property is a great idea. It has several advantages including lower price, ready-to-move option, tax benefits and so on. But it is necessary to have a checklist of documents before you proceed. Here is the checklist that you should consider while buying a resale property: 1. Title Verification Conduct a Title Search by visiting the Registrar’s office. You will be able to retrieve all the documents related to the title which will contain all the history of the property. You can also ask for the written analysis of the property in the form of the Title Report. This report will enclose description and other information like tax rate, title holder’s name, joint encumbrances, property tax, mortgages and so on. 2. NOC from Bank This will help you to ensure that the property is free from any type of mortgage. If there is any, you will get to know the actual status and how much is due. 3. Title Deed It will ensure that the property is on the seller’s name. It also will help you know the loan details and other proof of ownership of the property. 4. Sale Deed It is essential to go through all the terms and conditions before signing this core legal document. It is necessary as it is important while transferring the title deed on your name. 5. Building Approval Certificate Building Approval Certificate will ensure that the property is free from issues like illegal construction. It is necessary to verify this document as you will get the blueprint of the flat, its layout, utilities, and other equipment. 6. Completion/Occupancy Certificate The municipal authorities issue a Completion Certificate once the property is built in accordance with the government’s approved plan. While the occupancy certificate is issued by the developer or the builder and can be issued only after Completion Certificate is issued. 7. Encumbrance Certificate Encumbrance Certificate (EC) ensures that there are no dues on the property. It also helps to ensure that the title is clear and marketable (not sold - partially or fully). You can also get to know the legal issues or disputes that have arisen before. In addition, all the transactions will be displayed on this certificate. 8. Possession Certificate This is certificate important while buying a privately built resale flat. The builder issues this certificate and is then handed over to the first owner after he/she takes the possession physically. This is transferred to the next owner when the property is physically occupied. Apart from these documents, you should also check Utility Bills, Latest Tax Paid Receipt, No Objection Certificate (NOC) from the competent authorities, No Dues Certificate from Society and Share Certificate.

When I decided to buy a resale flat, I had no idea there were so many documents to check before buying a resale flat. Thankfully, I reached out to a professional real estate advocate for help. He helped me with checking the property’s history to ensure no dues were left unpaid, the process was detailed but essential. I have shared the list of documents that the advocate checked on my behalf.  

What are the Documents to be Checked Before Buying Resale Flat?

The list of documents that need to be verified are as follows,

1. Title Report: Conducted a title search to trace the flat's ownership history and gave me a report with details about taxes, liens, and mortgages.

2. NOC from the Bank: Ensured the flat wasn’t under any mortgage by getting a No Dues Certificate from the seller's bank.

3. Building Approval Certificate: The flat's construction was verified against the municipal authority’s approved plans.

4. Completion/Occupancy Certificate: These confirmed the flat was legally built and safe to occupy.

5. Encumbrance Certificate: This assured me there were no pending dues or disputes on the flat.

6. Utility Bills: The lawyer also checked all bills—electricity, water, and gas—to ensure everything was paid.

7. Tax Receipts: All previous taxes were verified to avoid future issues.

8. No Objection Certificates (NOCs): The professional checked NOCs from various authorities like water, gas, and electricity boards.

9. Title Deed: The flat’s original ownership transfer papers were thoroughly examined.

10. Sale Deed

11. Possession Certificate: This confirmed the seller had legal possession of the flat.

Having the right documents to be checked before buying a flat is vital to avoid future problems. If you’re unsure while buying a flat what documents to be checked, get expert help.

Get Property Documents Verified Via Legal Experts at NoBroker 

Also Read: 

What all documents I need before buying a property

Wondering what are the documents required for resale flat purchase? When buying a resale property, it’s crucial to verify several essential documents. Here’s a checklist to guide you through the process:

• Sale Deed

  : The sale deed is the core legal document that proves the sale and transfer of the property. Read it carefully and understand all terms and conditions before signing.

• Building Plan

  : Ensure that the property has a sanctioned building plan approved by the local municipal authority. The building plan includes the property’s blueprint, equipment layout, and utilities.

• NOC from Bank

  : Confirm that the flat is free from any loans or mortgages. Obtain a No Objection Certificate (NOC) from the bank to ensure a clear title.

• Completion and Occupancy Certificates

  : These certificates validate that the construction is complete and the property is fit for occupancy. They are essential for resale properties.

• Encumbrance Certificate

  : Check for any existing encumbrances or legal claims on the property. This certificate ensures a clean title.

• Utility Bills

  : Review utility bills (such as electricity, water, and property tax) to verify their payment status. Outstanding bills could become your responsibility after purchase.

• Tax Paid Receipts

  : Ensure that property taxes have been paid up to date. These receipts serve as evidence of tax compliance.

I hope this helps you understand what all documents required for resale flat purchase.

Secure your resale property purchase—verify documents, title, and approvals with NoBroker Legal Service today.

Read more

Do I need legal advice while buying resale property?

 

Buying a resale flat can be a good option and offers potential advantages like established infrastructure and possibly a lower cost compared to new properties. However, it is essential to thoroughly investigate the property's condition, legal status, and the resale market in the area before making a decision to invest in it. If you want to avail of a home loan, learn about the list of documents required for home loan for resale flat.

What documents should be checked before getting a resale flat?

Before investing in a resale flat or even if you are planning to apply for a home loan against it, make sure to check some documents like:

• A completed loan application form.

• Photocopies of ID documents like Aadhar Card, Passport, PAN Card or other.

• Address proof for your current address, such as utility bills or rental agreement.

• Salary slips, income tax returns, Form 16, and bank statements for the last 6 months

• Original sale deed, property title, and chain of ownership documents

• Proof of property tax payments

• Encumbrance Certificate to confirm no pending legal issues.

• Occupancy certificate for older properties.

• A copy of the approved plan.

• No Objection Certificate (NOC) from the society or builder, if required.

These are the list of documents required for purchasing resale flat or for applying loan against it.

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Read More:

How to check Patta for resale flat? Do I Need to Pay Stamp Duty on Resale Flat? What to check when buying a resale flat ? Can I get home loan for resale flat?  

Buying a resale home provides benefits whether it is under construction, newly constructed, ready to move in, or an older one. But you should keep a knowledge of documents checklist for buying resale flats. This answer will cover what are the documents required for resale flat purchase, for you.

List of documents required for resale property

• Title Report: The expense rate, owner's name, joint encumbrances, and complexities of local charges, loans, and securities pertaining to the flat are all facts that can be found in a title report.

• NOC from Bank: This certificate ensures that there are no unpaid obligations on the unit and that the bank has received all payments due from the seller. This is one of the important documents in buying resale property checklist.

• Building Approval Certificate: You must ascertain whether the apartment was built in accordance with a detailed design that has been approved by the relevant government agencies and the housing society.

• Encumbrance Certificate: A property's encumbrance certificate serves as evidence that it is not subject to any debts or liabilities.

• Utility Bills: One of the most important aspects of property verification is checking utility bills, such as those for gas, water and electricity.

• Latest Tax Receipts: Before buying a resale flat, you must review the most recent tax receipts. It is one of the crucial documents to be checked before buying resale flat.

• No Dues Certificate from Society: This document certifies that the seller is exempt from all dues obligations and that they have complied with all society rules and regulations.

• Sale Deed: The most crucial document you need to obtain when the seller transfers the title of the unit into your name is a sale deed.

• Possession Certificate: When buying a resale flat, getting the possession certificate from the seller is essential.

These are the documents checklist for buying resale flat.

Seamless property transactions with NoBroker's buy and sell expertise. Unlock your dream home with NoBroker's buyer plans. Read More: Who Will Pay Corpus Fund in Resale Property What is the Stamp Duty and Registration charges for resale house property?

Buying a resale home provides benefits whether it is under construction, newly constructed, ready to move in, or an older one. But you should keep a knowledge of documents checklist for buying resale flats. This answer will cover what are the documents required for resale flat purchase, for you.

List of documents required for resale property

• Title Report: The expense rate, owner's name, joint encumbrances, and complexities of local charges, loans, and securities pertaining to the flat are all facts that can be found in a title report.

• NOC from Bank: This certificate ensures that there are no unpaid obligations on the unit and that the bank has received all payments due from the seller. This is one of the important documents in buying resale property checklist.

• Building Approval Certificate: You must ascertain whether the apartment was built in accordance with a detailed design that has been approved by the relevant government agencies and the housing society.

• Encumbrance Certificate: A property's encumbrance certificate serves as evidence that it is not subject to any debts or liabilities.

• Utility Bills: One of the most important aspects of property verification is checking utility bills, such as those for gas, water and electricity.

• Latest Tax Receipts: Before buying a resale flat, you must review the most recent tax receipts. It is one of the crucial documents to be checked before buying resale flat.

• No Dues Certificate from Society: This document certifies that the seller is exempt from all dues obligations and that they have complied with all society rules and regulations.

• Sale Deed: The most crucial document you need to obtain when the seller transfers the title of the unit into your name is a sale deed.

• Possession Certificate: When buying a resale flat, getting the possession certificate from the seller is essential.

These are the documents checklist for buying resale flat.

Seamless property transactions with NoBroker's buy and sell expertise. Unlock your dream home with NoBroker's buyer plans. Read More: Who Will Pay Corpus Fund in Resale Property What is the Stamp Duty and Registration charges for resale house property?

Hey, It doesn't matter whether you're buying a flat from a builder or a resale flat, it's crucial to be vigilant and thoroughly verify the necessary documents.I will share a list of

documents to be checked before buying a flat from builder. These will surely help you out.

Get your paperwork finalised from the experts at NoBroker for resale property transaction. Opt for NoBroker buyer plans to invest in verified resale properties.

Documents need to check before buying flat or an any unit

from a builder:

1. Approval plans from the local municipal corporation - This is a critical document as it ensures that the building has been approved by the local authorities and meets the required safety and construction standards.

2. Title Deed and NOC from the builder - The title deed is a legal document that proves the builder's ownership of the property, and the NOC confirms that the builder has no outstanding dues or obligations on the property.

3. Occupancy Certificate - This certificate certifies that the building is fit for occupation and meets all the necessary regulations.

4. Completion Certificate - This certificate confirms that the construction of the building has been completed as per the approved plans.

5. Agreement for Sale and Sale Deed - The agreement for sale outlines the terms and conditions of the sale, and the sale deed is the legal document that transfers ownership of the property.

6. Letter of Allotment - This letter confirms the allotment of the flat to the buyer.

7. Building plans and elevations - This document provides a comprehensive overview of the building's design and construction plans.

8. Encumbrance Certificate - This certificate confirms that the property is free from any encumbrances or disputes.

9. Tax receipts and payment receipts - These documents serve as proof of payment and confirm that the builder has paid all the necessary taxes and fees.

Documents to check before buying a resale flat in Mumbai:

1. Original Sale Deed and title deeds - These documents are crucial in confirming the ownership of the property and transferring it to the buyer.

2. NOC from the builder - This certificate confirms that the builder has no outstanding obligations or disputes on the property.

3. Property Tax Receipts - This document confirms that the property taxes have been paid up-to-date.

4. Maintenance Bills - This document serves as proof of payment for maintenance charges and ensures that the buyer is aware of the ongoing costs associated with the property.

5. Power of Attorney (if applicable) - POA is an important addition in the list

   of documents for resale flat

     if the property is being sold by an authorised representative.

6. No Objection Certificate (NOC) from the housing society - This certificate confirms that the housing society has no objections to the sale of the property.

7. Occupancy Certificate - This certificate certifies that the building is fit for occupation and meets all the necessary regulations.

8. Encumbrance Certificate for the last 20 years - This certificate confirms that the property has been free from any encumbrances or disputes for the last 20 years.

9. Allotment Letter from the builder (if applicable) - This letter confirms the allotment of the flat to the original owner.

10. Approval from the local municipal corporation - This document confirms that the building has been approved by the local authorities and meets the required safety and construction standards.

This is all from my end on

documents to be checked before buying a flat from builder.

Read more: Can you get a home loan for a resale flat? What are the documents to be verified before owning a flat? Which City In India Is Best For Real Estate Investment?

It is always recommended that prospective homebuyers should be well acquainted with certain procedures and norms while purchasing a property. Here, I will share with you the resale property documents checklist. Make a wise decision while buying the property pal.

Get legal scrutiny of property documents done by experts at NoBroker Draft a genuine sale agreement and get it registered with the help of NoBroker experts Documents required for resale flat purchase: Sale deed:

• A sale deed is the first document which is the core legal document that has to be verified first. 

• It acts as a proof of sale and transfer of the property. 

• Make sure to read every detail and question all the terms and conditions before signing the sale deed.

Building plan:

• A buyer must check if the property has a sanctioned building plan or not. 

• A building plan is approved by the local municipal authority which includes a blueprint of the property, equipment layout, and utilities. 

• Any unauthorised construction is at a risk of being demolished.

Completion/Occupancy Certificate:

• An Occupancy/Completion Certificate is issued by the municipal authorities after the project is completely constructed. 

• An Occupancy Certificate (OC) is also issued by a local government agency once a project is completed and deemed fit for habitation. 

• Both the documents are required while applying for loans from banks and financial institutions or while applying for water, sanitation, and electrical connection.

Encumbrance certificate

• It is also a vital document to be verified.

• It enables a buyer of the property to know that it does not have any dues left unpaid.

• An encumbrance certificate can be easily obtained from the sub-registrar’s office where the property has been registered that proves that the property has no monetary and legal liabilities.

  Tax paid receipts

• One must also consider verifying  all the latest tax paid receipts.

I hope now you know what to recommend when someone asks you about what

documents to check before buying a resale flat. 

Read more:

Quick property documents checklist

What to do if property documents are lost

What are the documents required for home loan

If you want to buy a resale flat, there are some things you need to do first. You should go over the list of documents that are required when buying a resale flat, and if all of your records are correct, you should be able to acquire a flat quickly. Buying a flat relieves most of your worries because you have your own home that you can customise to your tastes and that includes all of the necessary facilities. I have something to say about the documents required for purchase of resale flat.

What documents to check before buying a resale flat?

Both Narayandas and Rishi explained very well about the required documents. But before you go to the authority office to acquire deed enrollment, you must transfer all of the reports online on the gateway. So, verify the documents before buying a flat and then live in peace forever. The following is the list of documents to check before buying a flat.

• All of the original documents, including those with signatures.

• Certification of encumbrance.

• Property Card

• Instalment of full stamp obligation in cash, demand draught, or bank challan.

• Segment 32 of the photograph of the executors and witnesses.

• Verification of the buyer's, merchant's, and witnesses' identities.

• PAN (Personal Identification Number) card

• A power of attorney is a legal document that allows you to act on

• An Aadhaar card, is a unique identification card issued by the government of India.

• Confirmation of the buyer's and trader's addresses.

• Aerial view of the property.

• Pattadar horticulture land passbook

Things to consider before buying a resale house:

1) Deed Name

The report should specify what kind of deed it is. The parties might agree on what form of deed will be ready for the record for property transfer based on shared permission.

2) Meetings for the Deal

The names, ages, and residences of the communities involved in the transaction should be included in the contract deed. Every one of the meetings should agree to the deed.

3) Context in the Deed

In the deal deed, the property, in reality, should be clearly stated. It should include a complete description of the property, such as the ID number, plot region, and area, among other things. This is one of the main aspects of resale flat documents.

4) Condition of the deal:

All of the information in a deal deed should be linked to the transaction sum agreed upon by the seller and the buyer. It should definitely state the amount paid for transferring property rights from one gathering to the next.

Now you got the list of documents required for purchase of resale flat.

Get property verification to registration in a very helpful way with NoBroker legal services. NoBroker buyer plans are the best way to deal with property purchasing, don’t miss out on that. Read More: Is stamp duty applicable on resale flats? Is buying a resale flat worth it? What are the documents required for resale flat registration? How to calculate resale value of flat in Bangalore?

Before buying a resale flat, several things must be looked into critically. Apart from checking the property for defects and faults, it is important to check all the documents produced by the seller. I will guide you through and tell you about the documents to check before buying a resale flat. I will also tell you things to check before buying a resale property, and critical aspects of buying a resale property.

Documents to check before buying a resale flat

Below is the list of most important documents to check before buying a resale flat. Before buying a resale property ensure that you conduct due diligence.

Name of the document	Purpose of the Document
Sale Deed	It's a proof of transfer and has right ownership details
Building Plan	To check if all the elements in the property have approval from municipal authorities of the area
Completion Certificate	To verify that property construction has been completed
Occupancy Certificate	To verify if the local authorities and government has approved the construction and it deems the property fit for occupancy
Encumbrance Certificate	To verify that there are no pending dues on the property and there are no legal obligations that are to be fulfilled.
Tax receipts and Utility Bills	To ensure taxes and utility bills are paid and there are no dues or arrears left
NoC	NoC by housing cooperative society, electricity and water departments
Title Deed	To check if the seller has the rights to sell the property
Possession Certificate	To verify that the builder has provided you with a certificate to possess the said property
Conversion order	To verify that the property has been legally converted for residential purposes (if it is the case)

Things to check before buying a resale flat

Now that you are aware of the documents to check before buying a resale flat, let us look at things to check and critical aspects of buying a resale property.

Property age

Let us understand this clearly first. The property value depreciates with passing time. If you are buying a resale property, it’s imperative that you check the age of the property and this will set a tone for better negotiation.

Check How to Negotiate Property Prices with Sellers Existing loan or mortgage

There are frauds and scammers out there and they try to trap people into buying properties which are problematic. Ensure that you conduct due diligence along with original documents and verify loan repayments and status of mortgages.

Brokerage

Often when you strike a deal with the seller, there are dealers or brokers involved. They charge hefty commissions and at times mislead you in case you are not directly in contact with the seller. You can eliminate this possibility by checking 

Brokerage-free Flats and Apartments for Sale on NoBroker

I have tried to give you all the information. Hope it helps you to make the right moves.