Essential Documents for Property Transactions
In this guide
Step-by-step Process
Identity and Address Documents
For all parties: Aadhaar card, PAN card (mandatory), Passport (for NRIs), Voter ID, Driving License. For companies/trusts: Certificate of Incorporation, MOA/AOA, Board Resolution authorizing the transaction, GST registration.
Property Title Documents
Sale Deed (registered), Mother Deed / Title Deed (chain for 30 years), Encumbrance Certificate (EC) — shows if any loans/mortgages on property, Mutation / Khata certificate, Patta (for revenue land), Property tax receipts (last 3 years).
Construction / Builder Documents (New Property)
Approved Building Plan from municipal authority, RERA registration certificate (mandatory for new projects), Commencement Certificate, Occupancy Certificate (OC) / Completion Certificate (CC), Fire NOC, Environment NOC.
Home Loan Documents
Income documents: Salary slips (3 months), Form 16, ITR (2 years), Bank statements (6 months), Employment certificate. Self-employed: ITR + CA-certified P&L, Balance Sheet. All property title documents. Processing fee cheque.
Registration Documents
Draft Sale Deed prepared by lawyer, Stamp duty payment challan, 2 passport photos of buyer and seller, Witness IDs (2 witnesses), Power of Attorney (if applicable), No Objection Certificate (NOC) from society/builder, FORM 60 (if no PAN).
Official Government Portals
Common Questions
What is an Encumbrance Certificate and why is it important?
An EC shows all registered transactions (mortgages, loans, liens) on a property for a specified period. It proves the property is free from legal liabilities. Obtain EC from Sub-Registrar office or online via state portals. Always insist on EC for the last 30 years.
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