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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.

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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.

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