What Documents Do I Need to Buy My First Flat in Kerala?November 6, 2023

Apartments in Kerala

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.



Why Do People Buy Penthouses?

For those aspiring to buy a home in Kerala, there are a variety of options to choose from. You could… Continue reading Why Do People Buy Penthouses?

Read More
energy saving tips

Energy Saving Tips for the Summer

Summer brings with it the joys of summer holidays, pitter-patter of raindrops and loads of fun activities. However, summer also… Continue reading Energy Saving Tips for the Summer

Read More

Related Projects

A few of our inspiring projects

Apartments in Trivandrum

Being the state political capital, an educational hub as well as home to Kerala’s largest and rapidly-expanding IT hub, Artech has realized the growth potential of Trivandrum as a prime spot for real estate investment. Artech builders in Trivandrum offer a number of lavish and eye-popping apartment projects located in classy niche areas to inspire you.

Apartments in Thrissur

The city built around the base of a 65-acre hillock is steeped in rich cultural and spiritual history. Aside from being known as the cultural hub of Kerala, Thrissur is also known as a major business center. Artech offers Thrissur, one of its finest creations to-date, the Artech Gateway, featuring exclusive lifestyle apartments.

Apartments in Kollam

Located on the banks of the scenic Ashtamudi Lake, this ancient city dating back to the biblical times, has a strong commercial reputation. The verdant beauty of this city also attracts many people to set-up homes here. As flats in Kollam are in great demand, Artech Realtors have a number of luxurious projects offering superior homes with amazing blue vistas to its residents.

Apartments in Kottayam

Kottayam has always been at the forefront for education and literacy. Aside from this, it’s a peaceful town that thrives on commerce. Artech Realtors have given Kottayam their first taste of high-end luxury living with Artech Rio. The unending views of the surrounding greenery, the meandering river and outstanding amenities makes life in these classy apartments one-of-a-kind.

Apartments in Thiruvalla

Thiruvalla, which has earned the moniker the ‘Land of the NRIs’ is situated on the banks of the Pamba and Manimala rivers. With a paucity of suitable homes for the cream of the society, there was a glaring need for luxury flats in Thiruvalla. The blissful Artech Kaazhcha apartments offer an inspiring mix of high-end comfort and luxury.



The information provided on this website is meant for general guidance. Though we have taken utmost care on the accuracy of the contents, the customer should make an autonomous assessment of the contents. However, the prospective buyers should rely upon the terms and conditions of the sale and construction agreement between the Builder and the Client.

The visuals of the projects symbolize artistic impression only. The information contained herein including the fittings, finishes, features, floor size and color etc. in the visuals are subject to change. However, the plans & specifications indicated in the Builder and Client agreements are final and we have not authorized anyone to make any oral commitments or promises on our behalf in regard to the plans and specifications of the apartments/projects.

For any clarification please feel free to call +91 9847 600 600 or walk into our offices. Our representatives will always be at your service.