How to Check Property Legality and Documentation Before You Buy

Whether in Wadala, Ghatkopar, or Chembur, purchasing a home in Mumbai is a significant financial commitment. Verifying the property’s legal status and documents is one of the most important steps in preventing problems or disagreements down the road.
Here is a detailed checklist to make sure your property complies with the law:

Title Deed Verification

Confirms ownership and rights to sell
Should be clear, marketable, and in the seller’s name
Check for any disputes or encumbrances

Pro Tip: Get the title deed examined by a property lawyer

RERA Registration

Verify the project’s registration on MahaRERA website
Check possession date, layout, legal approvals, and builder credentials

At Upgrade Realty, we only list 100% RERA-compliant properties

Sale Agreement & Stamp Duty

Must clearly mention carpet area, payment schedule, possession date, penalties, etc.
Registered agreement is mandatory for legal validity
Stamp duty in Mumbai: ~5% + 1% registration charges

Occupancy Certificate (OC)

Issued by the local authority once the building is completed as per sanctioned plan
Required for water, electricity, and legal occupancy

Don’t move in without an OC, especially for ready-to-move flats

Encumbrance Certificate (EC)

Shows the property is free from legal or financial liability
Must be clean for at least 15 years

Especially important for resale flats in Chembur and other older areas

Approved Building Plans

Verify if construction matches BMC-approved plans
Illegal structures or deviations can lead to demolition notices

No Objection Certificates (NOCs)

From society, fire department, environmental board, electricity board, etc.

Mandatory for under-construction as well as resale flats

Society Documents (for Resale Flats)

Share Certificate
Society NOC
Maintenance dues clearance

Conclusion

Legal due diligence is not optional—it’s your shield against future disputes and financial losses. From title clearance to RERA status, every document must be verified.

At Upgrade Realty, we help you with end-to-end legal checks and documentation. Whether you’re buying a flat in Chembur or investing in Wadala, we ensure 100% legal clarity before you sign the dotted line.