Buying property in places like Delhi—especially South Delhi (Saket, GK, Malviya Nagar)—requires two sets of documents:
- Property documents (from seller/builder)
- Your documents (buyer side)
Missing even one key document can create legal or financial problems later. Here’s a complete, practical checklist.
🧾 A. PROPERTY DOCUMENTS (MOST IMPORTANT)
🔑 1. Sale Deed / Conveyance Deed
- Primary proof of ownership
- Must be registered
👉 Without this = no legal ownership
🔗 2. Chain of Ownership (Past 20–30 Years)
- Previous sale deeds
- Transfer records
👉 Ensures property has clear history
📜 3. Encumbrance Certificate (EC)
- Shows:
- Loans
- Legal dues
- Charges on property
👉 Must be clean (Nil EC)
🏗️ 4. Approved Building Plan
- Issued by municipal authority
✔ Verify:
- Construction matches plan
👉 Critical for builder floors in South Delhi
🧱 5. Completion Certificate (CC)
- Confirms construction is legal
🏠 6. Occupancy Certificate (OC)
- Confirms property is safe to live
⚠ Many builder floors don’t have OC → risk
📍 7. Land Use Approval
- Must be residential land
👉 Check via:
- Delhi Development Authority
💰 8. Property Tax Receipts
- Last 5–10 years
👉 Ensure no pending dues
⚡ 9. Utility Bills
- Electricity
- Water
👉 Must be cleared
🏦 10. Loan Clearance Documents
- Bank NOC
- Loan closure letter
👉 Confirms no active mortgage
📊 11. RERA Registration (If New Project)
Check under
Real Estate Regulatory Authority
👉 Not required for small builder floors, but important for projects
📜 12. Mutation Certificate
- Shows ownership in municipal records
🧾 13. Allotment Letter (Builder / DDA Properties)
- Original allotment details
🧱 14. Possession Letter
- Confirms handover from builder
🅿️ 15. Parking Agreement (If Applicable)
- Must be written—not verbal
👉 Common dispute area in South Delhi
👤 B. BUYER DOCUMENTS (YOUR SIDE)
🪪 1. Identity Proof
- Aadhaar Card
- PAN Card (mandatory)
🏦 2. Income Proof (If Taking Loan)
- Salary slips / ITR
- Bank statements
💳 3. Bank Documents
- Account details
- Loan approval letter (if applicable)
🧾 4. Address Proof
- Aadhaar / Passport / Utility bill
📸 5. Photographs
- Passport size photos
📝 C. TRANSACTION DOCUMENTS
These are created during the deal:
🤝 1. Agreement to Sell
- Terms & conditions
- Payment schedule
💵 2. Payment Receipts
- Proof of all payments
🧾 3. Stamp Duty & Registration Papers
- Mandatory for legal ownership
🔐 4. Sale Deed Registration
- Final ownership transfer
👉 Done at sub-registrar office
⚖️ D. SPECIAL CASE DOCUMENTS (If Applicable)
📜 Power of Attorney (PoA)
- Must be registered + valid
👨👩👧 NOC from Legal Heirs
- If inherited property
🏢 Society Documents
- NOC from RWA / society
- Share certificate (for society flats)
🚨 Most Common Missing Documents (South Delhi Reality)
Watch carefully—these are often missing:
- ❌ Occupancy Certificate (OC)
- ❌ Approved building plan
- ❌ Clear title chain
- ❌ Parking documentation
👉 These create future disputes
✔ Quick Checklist (Before Paying Token Money)
Make sure you have:
- ✅ Sale Deed
- ✅ Chain documents
- ✅ EC (clean)
- ✅ Building approval
- ✅ CC + OC
- ✅ Tax receipts
- ✅ Loan clearance
- ✅ ID proofs
👉 If anything is missing → pause the deal
💡 Final Advice
- Documents are not just paperwork—they are your legal protection
- Always:
- Cross-check documents
- Match details
- Get lawyer verification