Buying property is a significant investment, and verifying the authenticity of property documents is a crucial step before finalizing any transaction. Whether you are purchasing a residential unit or considering flats in Madhavaram, ensuring that the legal paperwork is accurate and valid can save you from future disputes and financial losses. This article outlines the essential checks and procedures to confirm the legitimacy of property documents.
Check the Title Deed
The title deed is one of the most important documents in a property transaction. It establishes the ownership of the seller and confirms their legal right to sell the property. When reviewing the title deed, ensure that it is in the seller’s name and free from any legal disputes. You can obtain a certified copy of the title deed from the local sub-registrar’s office to verify its authenticity.
Encumbrance Certificate Verification
An encumbrance certificate (EC) helps confirm that the property is free from any legal or financial liabilities, such as loans or pending mortgages. This document can be obtained from the sub-registrar’s office and is essential for checking if the property has any outstanding dues. An EC should show a clear history of ownership transfers and transactions.
Verify the Sale Agreement
The sale agreement outlines the terms and conditions agreed upon by both the buyer and seller. It should include details such as the property’s location, total cost, payment schedule, and possession date. Reviewing this document carefully will help prevent any unexpected legal complications later. Consulting a legal expert to assess the terms can provide additional clarity.
Check Land Use and Zoning Approvals
Every piece of land is designated for a specific purpose, such as residential, commercial, or industrial use. Verifying land use classification with the local municipal authority ensures that the property is legally permitted for residential construction. Additionally, check if the project has received necessary approvals from the Chennai Metropolitan Development Authority (CMDA) or relevant regulatory bodies.
Confirm the Patta and Chitta Records
Patta and Chitta are land revenue records that provide details about property ownership, type of land, and tax obligations. These records are maintained by the Tamil Nadu government and can be verified online through the state’s land records portal. A valid Patta and Chitta confirm that the land on which the property stands has clear ownership and is not under dispute.
Check the Completion and Occupancy Certificates
If you are purchasing a newly constructed property, the builder must provide a completion certificate (CC) and an occupancy certificate (OC). The CC confirms that the construction was completed following approved plans, while the OC certifies that the building is suitable for occupancy. Without these documents, the property may not be legally habitable, and obtaining essential services like water and electricity may become difficult.
Verify the Approved Building Plan
Builders are required to obtain approvals for construction projects from the local planning authorities. Checking the sanctioned building plan ensures that the property was built according to legal guidelines and does not violate any zoning regulations. Any unauthorized constructions may lead to legal consequences, including demolition orders.
Cross-Check Property Tax Receipts
Property tax receipts serve as proof that the current owner has been paying taxes regularly. Verifying these receipts helps confirm ownership details and ensures there are no pending dues. You can request copies of recent property tax receipts from the seller and verify them with the municipal authority.
Review Legal Clearances and NOCs
Certain properties require No Objection Certificates (NOCs) from various departments, such as the environmental board, fire safety authority, and water supply board. These certificates confirm that the property complies with government regulations. If you are considering flats in Madhavaram, checking for these approvals is essential to avoid future legal hurdles.
Consult a Legal Expert
While conducting individual document checks is helpful, consulting a legal professional can provide additional security. A property lawyer can conduct a thorough background check, verify documents, and highlight any potential legal concerns before you proceed with the purchase.
Conclusion
Verifying property documents is a necessary step to prevent legal complications and financial losses. Checking the title deed, encumbrance certificate, land records, and necessary approvals can help confirm the authenticity of the property. Whether you are buying a house or an apartment, taking these precautions will ensure a smooth and legally secure transaction.
