Top Legal Documents You Must Verify Before Buying a Flat in Pimpri chinchwad
Are you looking flats ? you should to know about important documents
Buying a new flat in pimpri chinchwad is one of the biggest financial decisions of your life. But before you sign that agreement or make your first payment, it’s crucial to verify all the legal documents related to the property. Missing even one important paper can lead to disputes, fraud, or delays in possession.
In this detailed guide by Vastu Choice Properties, we’ll explain all the key legal documents you must check before buying a flat in Pune, PCMC, or anywhere in India, along with simple tips to verify their authenticity.
🧾 1. Sale Deed (Title Deed)
Why it’s important:
The Sale Deed is the most critical legal document. It proves that the ownership of the property has been legally transferred from the builder or previous owner to you.
What to check:
The seller or builder’s name must match their ID proofs.
The property description (flat number, area, project name) should be correct.
The deed must be registered with the local sub-registrar office.
Ensure the property is free from any encumbrances (loans or legal disputes).
Tip:
Ask for a certified copy from the Sub-Registrar office. Never rely only on photocopies.
🧱 2. Mother Deed or Chain of Title Deed
Why it’s important:
This document shows the complete ownership history of the property. It helps you trace the sequence of transactions and ensures there are no breaks in the ownership chain.
What to check:
The title should flow clearly from the first owner to the current builder or seller.
Look for missing links or unregistered transfers — they can cause legal issues later.
Verify it with the help of a legal expert before proceeding with the purchase.
📄 3. RERA Registration Certificate
Why it’s important:
Every real estate project launched after May 2017 must be registered under the Real Estate (Regulation and Development) Act (RERA). This ensures transparency and protects buyers from fraud.
What to check:
Verify the project’s MahaRERA number (for Maharashtra) on the official RERA website.
Confirm that the builder’s name, project name, and location match the details on your agreement.
Check if the project has any pending complaints or delays under RERA.
Tip:
You can visit https://maharera.mahaonline.gov.in to check all project details, approvals, and updates.
📑 4. Commencement Certificate (CC)
Why it’s important:
The Commencement Certificate is issued by the local municipal corporation or authority. It certifies that the builder has received permission to start construction after fulfilling all legal conditions.
What to check:
The CC should cover your building or specific wing.
If the project is under construction, ensure work started only after this certificate was issued.
Tip:
Buying a flat in a project without a valid CC can lead to demolition risks or delayed possession.
🏗️ 5. Building Plan Approval
Why it’s important:
The building plan must be approved by the local authority (like Pune Municipal Corporation or PCMC). It shows that the project complies with zoning laws and building codes.
What to check:
Compare the approved plan with the actual construction on site.
Any deviation (extra floors or changes) can lead to penalties or legal issues.
The approval should include your building, flat number, and total built-up area.
🧰 6. Occupancy Certificate (OC)
Why it’s important:
An Occupancy Certificate is issued after construction is complete. It proves that the building has been constructed according to approved plans and is safe for occupation.
What to check:
The OC should mention the date of issue, project name, and builder details.
Never take possession of a flat without a valid OC.
Without this certificate, utilities like water, electricity, and gas may not be legally connected.
🧾 7. Encumbrance Certificate (EC)
Why it’s important:
The Encumbrance Certificate shows that the property is free from any legal dues or mortgages. It confirms there are no loans or pending claims on the flat or land.
What to check:
Get the EC for the last 13–30 years from the Sub-Registrar’s office.
It should show the name of the current owner or builder with no liabilities.
If the flat is under loan, ensure the builder has a “No Objection Certificate” (NOC) from the bank.
🏡 8. Allotment Letter (for under-construction projects)
Ensure it is on the builder’s official letterhead and signed by an authorized person.
Verify that the flat number, size, and payment details match your agreement.
Keep it safe — you’ll need it for your home loan application.
Why it’s important:
If you’re buying a flat that’s still under construction, the Allotment Letter is your first proof of booking. It mentions the agreed price, payment schedule, and possession date.
📜 9. Sale Agreement (Agreement to Sell)
Why it’s important:
The Agreement to Sell defines the terms and conditions between you and the builder/seller before the final Sale Deed is executed.
What to check:
Payment schedule, penalty clauses, and possession timeline.
Cancellation and refund terms.
Details of the amenities, parking space, and carpet area.
Tip:
Always register this agreement — an unregistered agreement has no legal standing in court.
🧾 10. No Objection Certificates (NOCs)
Why they’re important:
Before starting or completing construction, the builder must get NOCs from various departments. These prove the project complies with all local regulations.Important NOCs include:
Fire Department NOC
Pollution Control Board NOC
Environment Clearance
Water and Electricity Department NOC
Airport Authority NOC (if near airport zone)
Lift Installation NOC
💧 11. Property Tax Receipts
Why it’s important:
Property tax receipts confirm that the previous owner or builder has paid all taxes up to date. Unpaid dues can become your responsibility later.
What to check:
The owner’s name and property details should match your flat.
Check receipts for at least the last 3–5 years.
You can verify property tax details online through your local municipal corporation website.
📄 12. Possession Letter
Why it’s important:
The Possession Letter is issued by the builder after construction is complete. It indicates the official handover date of your flat.What to check:
The date of possession and flat details must be clearly mentioned.
Possession should happen only after you receive the Occupancy Certificate.
Keep this letter safe — it’s important for property registration and future resale.
🪶 13. Completion Certificate (CC)
Why it’s important:
Issued by the municipal authority, the Completion Certificate ensures that the building follows approved plans, height restrictions, and construction laws.
What to check:
Verify the date, building name, and builder details.
Make sure there are no deviations from the approved plan.
Tip:
Without this certificate, the property is considered illegal for possession or resale.
🏦 14. Home Loan & Bank Approval Documents
Why it’s important:
When a reputed bank approves a project for home loans, it indicates that all legal papers have been verified by the bank’s legal team.What to check:
List of banks that have approved loans for the project.
If your bank has not approved the project, ask why.
Tip:
Prefer projects that are approved by nationalized or leading private banks.
🧠 Final Advice from Vastu Choice Properties
Before buying your dream home in Pune or PCMC, make sure every document is verified by a property lawyer. Don’t rely solely on the builder’s word or agent’s assurance. A little extra caution today can save you from years of legal trouble later.
At Vastu Choice Properties, we help you find RERA-approved flats, rental shops, and investment properties from trusted builders in Ravet, Punavale, Wakad, and Hinjewadi — with full transparency and documentation support.
Vastu Choice Properties — your trusted real estate consultant in Pune PCMC, offering RERA-approved flats, rentals, investments, and expert property guidance.