Buying property in Kolkata is a big step, and having the right paperwork in place makes the process smooth and hassle-free. Whether you are purchasing a flat, villa, or plot, certain documents are essential to ensure the property is legal and the ownership is secure. Here’s a straightforward list of documents you’ll need when buying property in Kolkata.
Sale Deed
The sale deed is the most important legal document. It acts as proof of sale and transfer of ownership from the seller to the buyer. Always check that the sale deed is registered with the local registrar’s office.
Title Deed
A title deed confirms the seller’s legal ownership of the property. This helps you verify that the seller has the right to sell the property and that there are no disputes.
Encumbrance Certificate
This document shows whether the property is free from legal dues, mortgages, or disputes. It’s important to confirm that the property has a clear history before you buy.
Property Tax Receipts
Ask the seller for the latest property tax receipts. This ensures that all property taxes have been paid up to date, and there are no pending dues.
Building Plan Approval
If you are buying a flat or a newly built home, check if the construction has been approved by the municipal authority. Unauthorized construction can create legal problems later.
Completion or Occupancy Certificate
For ready-to-move properties, a completion certificate (CC) or occupancy certificate (OC) from the municipal authority is necessary. These confirm that the building has been constructed according to approved plans and is safe to occupy.
Mutation Certificate
A mutation certificate records the change of ownership in government records after the property is transferred. It is required for paying property tax under your name in the future.
Identity Proof and Address Proof
Both the buyer and the seller need to provide valid ID and address proof, such as Aadhaar, PAN card, passport, or voter ID, during registration.
Home Loan Documents (if applicable)
If you are taking a home loan, the bank will require additional documents such as your income proof, bank statements, and employment details. These will also be part of the property’s record.
Having the right documents in order protects you from legal hassles and ensures a smooth transfer of ownership. Before finalizing a deal, it’s always a good idea to consult a property lawyer in Kolkata to verify that all papers are genuine and complete.
Frequently Asked Questions (FAQ)
1. What documents are needed to buy a flat in Kolkata?
You need a sale deed, title deed, encumbrance certificate, property tax receipts, building plan approval, and occupancy certificate, along with your ID proofs.
2. Is RERA registration mandatory in Kolkata?
Yes, for new projects, RERA registration is mandatory. It ensures the project is approved and protects buyers from fraudulent practices.
3. Why is an encumbrance certificate important when buying property?
An encumbrance certificate proves that the property is free from legal dues, loans, or disputes. It helps confirm that the seller has full rights to sell.
4. What is the difference between a completion certificate and an occupancy certificate?
A completion certificate shows the building was constructed as per approved plans, while an occupancy certificate confirms the property is safe and ready to live in.
5. Should I hire a lawyer before buying property in Kolkata?
Yes. A property lawyer can verify documents, check for disputes, and make sure the property is legally clear before you register it in your name.