Buying a flat in Kerala, like in other parts of India, requires careful attention to documentation to ensure that the property transaction is legal and free from complications.

Here is a general list of documents that you would need when buying your first flat in Kerala:

Title Deed

This confirms the ownership rights of the seller. Ensure that the title is clear and without any disputes.

Encumbrance Certificate (EC)

An EC ensures that there are no encumbrances or legal liabilities on the property. It is proof that the property is free from any mortgage or legal dues.

Tax Receipts

Make sure to check the latest tax receipts to confirm that there are no pending bills.

Occupancy Certificate (OC) and Completion Certificate (CC)

The OC is provided by the local municipal authority to certify that the building complies with all the required norms and is ready for occupancy. The CC is proof that the building has been constructed according to the approved plans.

Building Approval Plan

This is issued by the local municipal authority and ensures that the construction is legal and adheres to the approved building plan.

NOC (No Objection Certificate)

In some cases, especially for apartments, the builder might need NOCs from various departments such as the water and electricity boards.

Builder-Buyer Agreement

If buying a new flat, you’ll have an agreement with the builder or developer. This document will detail the terms and conditions between the builder and the buyer.

Allotment Letter

Provided by the builder, it confirms the flat’s allotment to the buyer and details terms and conditions.

Sale Agreement

This agreement is executed before the sale deed and outlines the terms and conditions of the sale.

Sale Deed

This is the primary legal document for transferring the ownership of the property from the seller to the buyer.

Property Tax Receipts

Ensure that all property tax payments are up-to-date and collect the receipts from the seller.

Sanctioned Building Plan

It’s vital to ensure that the flat’s construction adheres to the sanctioned plan. Any deviations can lead to legal complications.

Home Loan Documents

If you’re availing a home loan, ensure you have all the necessary paperwork as required by your bank or financial institution.

ID Proof and Photographs

Often required during the registration process.

Location Sketch

Sometimes required to identify the exact location of the property.

Possession Letter

Given by the developer, it indicates the handover of the property to the buyer.

When buying a property, especially for the first time, it’s advisable to consult with a property lawyer to ensure all documents are in order and that you’re making a secure transaction.