When you are considering purchasing a plot, you must verify all the documents required for a smooth legal transaction. Make sure to read the complete article, as I will discuss the required documents in detail.
Checklist Of Documents Required To Purchase A Plot/Site/Land
1. Sale Deed
2. Mother’s Deed
3. NOC
4. Title Deed
5. Encumbrance Certificate
6. Khata Certificate
7. Property Tax Receipts
8. Building Approval Plan
9. Conversion Certificate
The List Below Explains The Documents Required For Purchasing Land In Detail:
1. Sale Deed: Evidence of Sale and Transfer
The sale deed is the first document that needs to be checked when purchasing a site in Karnataka.
The sale deed document is legal proof of the sale and transfer of ownership from the seller to the buyer. It consists of information such as the seller and buyer's name and address, property description, sale consideration, and other necessary details.
This document is considered the basic document for all future transactions, and thus it should be thoroughly scanned before making any purchase decision.
Family G Tree:
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A family tree document is often attached to the sale deed to provide a detailed history of the property ownership within the seller’s family.
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In addition to preventing future claims by heirs who could argue against the transaction, it guarantees that all legitimate heirs have approved the sale.
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This document is particularly crucial for inherited or ancestral properties, where ownership may have been passed down through several generations.
It is always suggested that the original sale deed be obtained from the seller and verified with the appropriate authorities to ensure its authenticity and for site or property document verification.
2. Mother Deeds: Record of Ownership:
If you are purchasing a property in Karnataka, the mother deed document is one of the most important legal documents to verify.
The mother deed document serves as a record of previous ownership and proves that the site seller has the right to claim the property for document verification.
This document outlines the origin of the site and makes sure that there are no discrepancies in ownership.
It is necessary to note that proving ownership of the site or property will be difficult if the mother deed is incomplete or missing. So, it is important to get and review the mother deed before finalizing any property transactions by verifying ownership through the mother deed document so buyers can proceed further.
What is the Procedure for Obtaining a Mother-Deed Document in Bangalore, Karnataka?
You must visit the sub-registrar's office to get the mother deed document and complete the physical application process. You also need to pay the stamp duty and registration charges to start the process. It is highly suggested that you seek legal advice for a smooth process.
3. No Objection Certificate (NOC): Approval From Financial Institution
Before finalizing the property purchase in Bangalore, Karnataka, a No Objection Certificate must be obtained from the financing institution.
What is NOC?
NOC stands for No Objection Certificate, an approval letter stating that the bank or financial institution doesn’t object to the site being sold to a third party.
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Municipal authority clearance.
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Approvals from the electricity, water, and environment departments.
It is a very important document as it verifies that the bank doesn’t have any right to claim the site in the event of an outstanding loan. So, before signing the sale deed, make sure to check with your bank and get the NOC, as it will protect you from any legal complications in the future.
4. Title Deed: Ownership Verification
A title deed is used to verify ownership. A title deed is a document that proves the legal ownership of the site or property. Before you make a purchase, it is important to ensure that the title deed is in the seller's name and that there are no disputes.
This document details any liabilities, charges, or mortgages on the property, making it easier for buyers to make an informed decision. Along with other documents like the sale deed, mother deed, and NOC, it verifies that the title deed will give buyers the confidence to make a hassle-free purchase.
5. Encumbrance Certificate: Legal Due Verification
The encumbrance certificate is a necessary document that must be verified before buying any plot in Bangalore, Karnataka.
It is essential to note that the property must not be subject to any legal dispute or pending litigation.
You can obtain an EC from the registration office, along with an attested copy of the address proof, details on the property, title documents, and Form 22. The importance of an EC cannot be overstated, as it serves as evidence of ownership title and avoids future legal problems.
Therefore, you are advised to obtain and verify this document before completing any property transaction in Bangalore, Karnataka.
6. Khata Certificate: (E Khata or A Khata)
The BBMP issues a Khata certificate, which contains important details like the property owner's name, size and location of the property, and tax details.
Without a Khata certificate, proving ownership of the property is difficult, which could lead to legal complications in the future.
So, it is necessary to ensure that this document is up-to-date and genuine before making any land transactions in Bangalore.
7. Property Tax Receipts: Proof of Tax Payments
Property tax receipts are important documents that buyers must thoroughly check before purchasing a property.
It acts as proof of tax payment and ensures there are no pending payments on the property.
Delays or non-payments of property taxes can lead to legal complications and jeopardize property ownership.
So, buyers must insist on getting these bills from the seller and verify their authenticity with the concerned authorities.
Checking the property tax receipts is an essential step in the due diligence process. It helps buyers avoid potential legal troubles and ensures they have rightful ownership of the property.
8. Building Approval Plan: Approval from the Local Authority
The building approval plan is another essential document to check before buying a property in Karnataka. This document proves that the construction on the land is legally authorized by the local municipal authority.
The approval plan will consist of the blueprint of the building, including the layout and the specifications.
9. Conversion Certificate
A Conversion Certificate is a legal document that allows the piece of land designated for agricultural purposes to be used for non-agricultural purposes, such as residential, commercial, or industrial use.
In various countries, agricultural land cannot be utilised for non-agricultural purposes without proper legal approval. If you are planning to build on agricultural land, obtaining a Conversion Certificate is mandatory. Purchasing agricultural land for construction without this certificate can lead to legal complications, penalties, or even the demolition of structures.
Additional Tips for Purchasing A Plot or Land
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Conduct a Site Visit: Pay a visit to verify the property’s location, size, and accessibility to essential services like roads, electricity, and water.
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Consult Legal Experts: Always have a property lawyer review the documents to make sure they comply with the law.
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Verify the Zonal Regulations: Bengaluru is divided into various zones (residential, commercial, agricultural, and industrial) under the Revised Master Plan (RMP) by BDA. Check if the land’s zoning aligns with your intended purpose.
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Consider Stamp Duty and Registration Fees: In Karnataka, the stamp duty for land registration is usually 5% to 8 % of the property’s market value, with an additional 1% to 3% registration fee. Ensure you budget for these costs.
Conclusion
Purchasing a plot, site, or land is a major investment; it is necessary to carefully scrutinize all documents. Verifying the family tree, particularly for ancestral or inherited properties, is crucial to avoid conflicts and ensure clear ownership.
By following this thorough checklist and consulting a specialist, you can make an informed purchase while securing your investment for the future. Putting in a little extra effort today can save you from problems later, smoothing out the process and making it easier.
