Legal Documents to Check Before Buying a Flat in Kolkata

Legal Documents to Check Before Buying a Flat in Kolkata

Buying a flat is one of the most significant financial decisions in life, especially in the heart of the city like Kolkata. While buying a home, buyers overlook one critical step that is verifying the legal documents. Whether you are a first-time buyer or investor, document verification is a fundamental process to check before buying a flat so that you can be saved from any legal trouble, delay in possession, or even fraud.


In this article, we will guide you through the ways of document requirements and verification while buying a flat. This article also explains the flat registration process in Kolkata, which helps to make an informed decision while dealing with any contractor or developer.

Why Legal Verification is Essential Before Buying a Flat 

Kolkata’s real estate market is regulated by various local authorities and laws. These are some common reasons why legal documentation is required.

List of Documents Required for Buying a Flat in Kolkata

  1. Sale Deed and Title Deed: This document proves the ownership of the property which ensures:

  1. Mother Deed: This traces the ownership history of the property by verifying all the ownership transfers from the beginning till now. 


  1. Building Plan Approval: Before construction, builders must get the layout approved by the Kolkata Municipal Corporation (KMC) or other relevant bodies. Ask for a copy of the sanctioned plan.


  1.  Completion Certificate (CC): Issued by the municipal authority once the construction is completed according to the approved plan.


  1. Occupancy Certificate (OC): This document certifies that the building is fit for occupancy and complies with all the local regulations. It is mandatory to take possession of a flat.


  1. Encumbrance Certificate: This certificate shows whether the property is free from any legal or financial liability (like a mortgage or loan).


  1. Mutation Certificate: It proves that the property is recorded in the name of the new buyer for municipal tax purposes.


  1.  Property Tax Receipts: Ensure that all property taxes are paid up to date by the seller.


  1.  No Objection Certificates (NOCs): Ask for NOCs from various departments—electricity, water, environment, and fire safety.


  1.  RERA Registration: Under the West Bengal Housing Industry Regulatory Authority (WBHIRA), every real estate project must be registered. Check if the project has a valid RERA ID.

Understanding the Flat Registration Process in Kolkata

After the verification of the document, the next step is property registration. The flat registration process in Kolkata works: 


Step 1: Prepare a sale deed draft, including all the key points that the seller and buyer want to include 

Step 2: Pay the stamp duty and registration charges, which typically range from 5% to 7% based on the property value.

Step 3: Book an appointment with the register or sub-register office

Step 4: For document verification, visit the register office 

Step 5: Process the biometric signature in front of the register 

Step 6: After verification, a registration slip is provided, and the deed will be available to download. 

How To Buy Flats in Kolkata: Quick Checklist

Still wondering how to buy a flat in Kolkata without any legal hassle? Check out our check box to ensure a proper safeguard of the property.  


Why Choose Vinayak Group: One of The Best Real Estate Developers in Kolkata

Vinayak Group is a real estate company in Kolkata comply with RERA guidelines. Buying a home should be a transparent and stress-free experience with proper legal documents, sanction plan, and occupancy certificates. This ensures every buyer has complete peace of mind. Our team is capable of assisting with home loan documentation, sale agreement formalities, and a smooth handover process, making it the best real estate developer in Kolkata.

Final Thoughts

By verifying the documents required for buying a flat in Kolkata, you not only protect your investment but also ensure a secure future for your family. Still unsure which documents to check before buying a flat? Let the expert at Vinayak Group step up for your home-buying journey. 

FAQs:

Q1. Which documents should I check before buying a flat?

Check the following document: 

Q2. How to verify property documents before buying?

Hire a property lawyer to cross-check all the documents, validate RERA registration online, and confirm approval with the local municipality.

Q3. What to check in a flat agreement?

Review property details, clauses, payment schedule, possession date, and cancellation terms carefully. 

Q4. What is the rule of buying flats?

Ensure the legal approval, RERA registration, and free from encumbrances, and make sure the transaction is registered under the local register office.

Q5. What questions to ask when buying a flat?

Ask about legal clearances, RERA ID, possession timeline, total cost, amenities provided, and if any ongoing litigation.