Buying property is one of the biggest financial decisions in a person’s life. Proper property verification is not just a legal formality—it is the foundation of a safe and stress-free investment. Below are the key property verification insights every buyer must understand before signing an agreement.

1. Title Deed Verification

The title deed proves who legally owns the property.

• Insight: Always check the chain of ownership for at least the last 20–30 years to ensure the seller has a clear and marketable title.
• Why it matters:

A defective title can lead to ownership disputes or loss of property rights.

2. Encumbrance Check

An encumbrance certificate (EC) shows whether the property has any loans, mortgages, or legal claims.

• Insight: A “nil encumbrance” ensures the property is free from financial liabilities.

• Why it matters:
  Buying an encumbered property may make you liable for the seller’s unpaid loans.

3. Land Use & Approval Verification

Ensure the land is approved for residential use and complies with local planning authorities.

• Insight: Verify CMDA/DTCP approval and zoning classification before purchase.
• Why it matters:

Unapproved or converted land can result in demolition notices or denial of basic utilities.

4. RERA Registration Check

For under-construction and new projects, verify registration under RERA.

• Insight: RERA protects buyers from project delays, misleading ads, and unfair practices.
• Why it matters:

RERA-registered projects offer legal transparency and accountability.

5. Building Plan & Completion Approvals

Check the sanctioned building plan and completion/occupancy certificates.

• Insight: OC confirms the building is safe and legally fit for occupation.

• Why it matters:
  Lack of OC can lead to water, electricity, and resale issues.

6. Land Ownership & Patta Verification

Confirm patta, chitta, and land records match the seller’s details.

• Insight: Discrepancies in land records often signal future legal problems.
• Why it matters:

Clear land records ensure rightful ownership and easier resale.

7. Builder Credibility Check

Research the builder’s past projects, delivery timelines, and legal history.

• Insight: A reputed builder reduces construction, legal, and post-handover risks.
• Why it matters:

Builder defaults can delay possession and impact property value.

8. Property Tax & Utility Dues

Verify that property tax, water charges, and electricity bills are fully paid.

• Insight: Outstanding dues transfer to the new owner after purchase.
• Why it matters:

Unpaid dues can cause service disconnections or legal notices.

9. Site Inspection & Physical Verification

Always visit the site and compare it with approved documents.

• Insight: Physical verification helps identify boundary issues and unauthorized changes.
• Why it matters:

What you see on paper must match what exists on the ground.

10. Legal Opinion from a Property Lawyer

Before finalizing, get all documents reviewed by a qualified property lawyer.

• Insight: Legal scrutiny identifies hidden risks that buyers often miss.
• Why it matters:

One legal review can save years of litigation and financial loss.

Final Insight

Property verification is not an expense—it is an investment in peace of mind. A well-verified property ensures legal security, financial safety, and long-term value appreciation.

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