A property purchase is usually the largest transaction a family makes, and problems with title often surface only after the money has been paid. A careful title search beforehand is far less expensive than litigation later.
Documents to examine
- The chain of title deeds, ideally for the last 30 years
- Mutation entries and revenue records in the seller's name
- An encumbrance certificate from the sub-registrar's office
- Approved building plans, completion or occupancy certificate
- Property tax and utility receipts
- For flats in new projects, the project's RERA registration
Questions to ask
Is the property mortgaged? Are there other co-owners or heirs whose consent is needed? Is any litigation pending over the property? Does the land use permit the intended construction? A public notice in newspapers inviting objections is also a prudent step for higher-value purchases.
A written title report from an advocate records what was checked, and gives you a basis for negotiating or walking away if problems are found.