Documents to Check Before Buying a House: Top 10 List

Posted on: Oct 15, 2025 | 3 mins | Written by: HDFC ERGO Team

Documents to Check Before Buying a House: Top 10 List

Among the numerous investments, buying an asset that calls for a serious evaluation of various legal documents is the acquisition of property. This amount would easily compel an owner to discover difficulties in the future, among other considerations. Every document concerning the property should be thoroughly scrutinised. So, the property documents listed here enumerate the major papers that the buyers need to check so that the property transfer—to their names—happens smoothly and securely, because the adherence to these is only one side of the coin. Assess property insurance, and it can be the cherry on the cake for your investment.

1. Title Deed

The title deed is the main document of the property that can affirm the ownership of the home. Ensuring the checking of a title deed is that the property seller has legal rights to sell it, and the property is free from all disputes.

2. Sale Deed

The sale deed becomes one of the important documents that officially transfers ownership from the seller to the buyer. It is also very important to verify this document in detail to ascertain all transaction details and avoid fraudulent deals.

3. RERA Registration Certificate

The RERA registration certificate is a requirement for a newly developed real estate project. The RERA certificate, mentioned in the documents to check before buying a house that the property will comply with government regulations and that the builder is credible.

4. Building Approval Plan

The building approval plan shows approved construction according to municipal norms. Verification of this document in your property documents list guarantees that your building is legally approved, avoiding any future legal issues.

5. Khata Certificate

Khata certificates are the essential municipal records that indicate the status of tax and ownership of the property. Ensuring that there is a valid Khata certificate is a must for utility connections and also for tax payments.

6. Completion Certificate (CC)

The completion certificate proves that construction was carried out according to approved plans and is now complete. Checking this vital certificate can avoid issues related to incomplete or unauthorised construction.

7. Occupancy Certificate (OC)

The occupancy certificate is to certify that a property is fit for habitation. This is a very important document to check before a home is bought, since taking possession without an OC might invite penalties.

8. No Objection Certificates (NOCs)

NOCs from relevant authorities, namely, fire and pollution, and power departments, confirm compliance with regulations. Including these documents in a checklist before home purchase affirms that the property is legally free from jeopardy.

9. Allotment Letter

This allotment letter is proof of the builder's commitment to you for that particular property unit. This document, therefore, becomes one of the key documents in your property documents list for proving the initial agreement.

10. Possession Letter

The possession letter states that possession has been taken over by the builder or seller. Document verification finalises the process of the transaction.

Conclusion

Certainly, one should review this entire list of property documents before acquiring a dream home. These documents usually protect the investor legally as well as financially. Once verified, it is good to ensure the asset has home insurance to guard the investment more comprehensively. Always very careful and ensure all property documents are authentic and complete, to enjoy a hassle-free home buying experience.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Documents required to purchase new flats

Home insurance claim in India: step-by-step guide

What are the coverage under Home Shield insurance

Legal Aspects of Homeownership in India

How to apply for building insurance?