Top 11 Legal Documents You Required While Buying a Flat in 2025

Buying a flat without checking the right documents is like setting the foundation of a house on sand.
Purchasing a flat is one of the most significant financial decisions for any homebuyer. In India, it’s not just about selecting the right property; it’s about verifying the paperwork that secures your investment.
With Indian real estate regulations getting stricter, understanding the documents you need to check before buying a flat is more crucial than ever.
Here’s a well-structured property purchase checklist to help avoid legal and financial complications in the future.

1. Sale Deed – The Core Proof of Ownership

The sale deed is the single most important document in a property transaction. It is the legal evidence that ownership of the flat has been transferred from the seller to the buyer. Without this, no transaction is complete. Always ensure it is registered with the local sub-registrar’s office.

2. Sale Agreement – Setting the Terms

Before a sale deed comes into play, a sale agreement is signed. This document outlines the terms and conditions of the sale, including payment schedules, delivery timelines, and obligations of both parties. It provides a binding framework for the final sale.

3. Title Deed, Title Report and Chain of Title Documents

• A title deed establishes the seller’s right to sell the property.
• A title report provides a professional summary of the property’s ownership history and legal standing.
• The chain of title documents traces the sequence of ownership transfers over time, ensuring there are no gaps or disputes.

These collectively guarantee that the property has a clear and marketable title.

4. Encumbrance Certificate – Ensuring No Legal Dues

The encumbrance certificate is critical for verifying that the property is free from monetary or legal liabilities, such as mortgages, unpaid loans, or litigations. This step protects you from inheriting the seller’s debts.

5. RERA Registration Certificate – Your Legal Safety Net

The RERA registration certificate ensures the property is registered under the Real Estate (Regulation and Development) Act. It provides transparency, authentic project details, and safeguards buyers—especially important for NRIs who may not visit the site frequently.

6. Allotment Letter – For Under-Construction Homes

If you are booking an under-construction flat, the allotment letter is a must. It confirms your booking, specifies the payment plan, and is usually required when applying for a home loan.

7. Occupancy Certificate (OC) and Completion Certificate (CC)

Both are essential to confirm the property is legally ready for possession:

• The completion certificate (CC) confirms the building was constructed as per the approved plans.
• The occupancy certificate (OC) proves the building is safe, compliant with regulations, and fit for occupation.

Without these, you may face problems with utility connections and resale in the future.

8. Approved Building Plan

An approved building plan (also called a building approval certificate) shows that the property complies with municipal laws and zoning regulations. Always cross-check this to avoid investing in unauthorised constructions.

9. Commencement Certificate – Start of Legal Construction

The commencement certificate is issued by the local authority and confirms that the builder had permission to begin construction. While the OC and CC hold more weight, this document is still important for due diligence.

10. Possession Letter – Confirmation from Builder

The possession letter is issued by the developer once the property is ready for handover. It specifies the date on which you can take possession of your flat. However, remember it does not confer ownership—only the sale deed does.

11. Property Tax Receipts – Verifying No Outstanding Dues

Always request the latest property tax receipts to ensure the seller has cleared all municipal dues. Any pending taxes could become your liability after purchase.

Additional Documents You Need to Check Before Buying a Flat

1. Khata Certificate – For Property Records

The khata certificate is a municipal record that reflects the property’s details for tax assessment. While the sale deed is the primary proof of ownership, many states still consider the khata important for transferring utilities and applying for loans.

2. No-Objection Certificate (NOC) – Clearing External Dues

A no-objection certificate (NOC) is required in cases where the property has an existing loan or dues. It proves the bank or financial institution has no claim on the property after the dues are cleared.

3. Power of Attorney (PoA) – For Remote Transactions

For NRIs or buyers who cannot be physically present, a power of attorney (PoA) is essential. It legally allows a trusted representative to act on your behalf for signing agreements and completing the transaction.

4. Approved Layout Plan – The Bigger Picture

Finally, ensure the developer provides the approved layout plan, which covers the overall project, including roads, green zones, and amenities. This helps confirm that the flat you are buying is part of a legally sanctioned project.

Key Factors To Review Carefully When Evaluating Documents

Here’s what you should consider before choosing the new flat:

• Verify ownership through the title deed and chain of title documents.
• Check for liabilities with the encumbrance certificate.
• Confirm approvals via the RERA registration certificate, approved building plan, and building approval certificate.
• Ensure legality and safety with the completion certificate (CC) and occupancy certificate (OC).
• Validate financial and tax compliance using property tax receipts and a no-objection certificate (NOC).
• Cross-check project details against the approved layout plan and allotment letter (if under construction).
• For NRIs or remote buyers, confirm authority through a valid power of attorney (PoA).

Final Thoughts

Navigating the paperwork may feel overwhelming, but these documents form the backbone of a secure property transaction. Whether you are an NRI or resident buyer, ensuring every item on this property purchase checklist is verified will save you from future disputes.

At The Solitairee, we understand that peace of mind is paramount. That's why we've meticulously handled all the legal and regulatory compliances, so you can focus on finding your dream home.

Our project is a testament to trust and transparency, envisioned by the renowned Nath Group and crafted by the trusted Sara Builders of Aurangabad. Spread across 3.5 acres, our seven towers stand tall with 14 floors, offering 2, 3 and 4 BHK flats in Paithan Road, Chhatrapati Sambhaji Nagar (formerly Aurangabad).

Our team at The Solitairee believes in a transparent process from start to finish. We ensure every legal detail is in place so you can buy with confidence.