Things to Check Before Buying Property in India

Buying a property is a major financial decision. To avoid future problems, it is important to verify all details carefully before making a purchase. Below are the key things you should check before buying property in India.

1. RERA Registration

   Ensure that the property is registered under RERA (Real Estate Regulatory Authority). A valid RERA number confirms that the project follows legal rules and protects buyer rights.

2. Clear Property Title

   Check that the seller has a clear and legal title to the property. The ownership should be free from disputes, claims, or legal issues.

3. Approved Layout and Building Plan

   Verify that the layout plan and building design are approved by the local development authority or municipal corporation.

4. Encumbrance Certificate

   An encumbrance certificate confirms that the property is free from loans, mortgages, or legal dues.

5. Location and Connectivity

   Check road access, public transport, nearby schools, hospitals, markets, and future infrastructure plans. A good location increases property value.

6. Builder or Seller Reputation

   Research the builder or seller's track record. Check previous projects, delivery timelines, and customer feedback.

7. Agreement and Legal Documents

   Read the sale agreement carefully. Check possession date, payment schedule, penalties, and terms mentioned in the contract.

8. Total Cost Involved

   Apart from the property price, calculate:
   • Stamp duty
   • Registration charges
   • GST (if applicable)
   • Maintenance charges
   • Brokerage fees

9. Possession Status

   Confirm whether the property is ready-to-move or under-construction. For under-construction projects, check expected completion timelines.

10. Loan Eligibility

    If you are taking a home loan, ensure the property is approved by banks or financial institutions.

11. Physical Inspection

    Visit the property site to check construction quality, surroundings, water supply, electricity, and access roads.

12. Completion and Occupancy Certificate

    For ready properties, ensure the Completion Certificate (CC) and Occupancy Certificate (OC) are available.

Conclusion

Checking legal documents, approvals, costs, and location before buying property in India helps you make a safe and informed decision. Proper verification protects your investment and ensures peace of mind in the long run.