Top Documents Required for Home Buying in India

Sale Deed

• The most crucial legal document that proves ownership transfer
• Must be registered at the local sub-registrar office

Always verify the original sale deed before making payment.

Agreement for Sale

• A legal agreement between buyer and seller outlining terms and conditions
• Includes payment schedule, possession date, and specifications

This is usually signed after the token amount is paid.

Title Deed / Mother Deed

• Proves legal ownership of the land/property
• Should be clear and marketable without disputes

Get it verified by a legal expert before purchase.

Occupancy Certificate (OC)

• Issued by municipal authorities once construction is complete and meets all norms
• Essential for moving in or applying for utilities

Do not buy ready flats without an OC.

Commencement Certificate (CC)

• Given by local authorities when construction begins legally
• Mandatory for under-construction projects

Building Plan Approval

• Sanctioned by the local municipal authority
• Ensure the builder has not violated FSI (Floor Space Index) norms

Encumbrance Certificate

• Confirms the property is free from legal or financial liabilities
• Can be obtained from the sub-registrar’s office

Property Tax Receipts

• Proof that the current owner has paid all dues
• Important during resale purchases

RERA Registration Certificate

• Mandatory under the Real Estate Regulation Act
• Confirms the project is legally registered and approved
• Check the RERA number on maharera.mahaonline.gov.in

Allotment Letter (for under-construction projects)

• Issued by the builder once you book the flat
• Includes payment structure and project details

NOC from Banks (in case of home loan)

• A No Objection Certificate is required if the builder has taken a loan on the project

Bonus: Personal Documents Required

• PAN Card (mandatory for property registration)
• Aadhar Card / Address proof
• Passport-size photographs
• Home loan sanction letter (if applicable)

Conclusion

Always ensure document verification is done before signing anything. At Upgrade Realty, we guide you through the paperwork, so your homebuying experience is safe, transparent, and hassle-free. Contact us for end-to-end support today!