What are the documents that have to be checked before buying a residential flat in Tamil Nadu?
Before buying a flat in Tamil Nadu or anywhere else, it is necessary that you must check the property documents and conduct your own due diligence. If you don't have time to conduct your own due diligence, you can take services of a lawyer. I suggest that you go through this article - Property Documents to check before buying a Property to know the complete due diligence process.You need to check different sets of documents for under-construction properties and ready to move in properties. So, I am giving the list separately for both:For Under Construction PropertiesAt the time of booking:1. Check title and ownership of builder by checking the Sale Deed and Patta Chitta Adangal (Land Records) 2. Whether builder has received Change of Land Use (CLU) Certificate from Agricultural to Residential3. Whether Layout is approved by DTCP4. Check Land Use as per Master Plan of the city.5. Whether NoC & Clearances obtained from Environment, Electricity, Water, Fire and Safety Authorities6. Whether Certificate of Commencement is received7. Check terms of Allotment Letter8. Check terms & conditions of Builder-Buyer AgreementAfter Construction Completion:9. After completion of project, ask whether builder has received Completion Certificate10. Check if builder received Occupancy Certificate11. After the complete payment, get your Sale Deed Registered12. Collect Possession Certificate from builderFor Ready to Move In Properties1. Check Title Deed (Sale Deed) of seller2. Check No Encumbrance Certificate to ensure that there are no encumbrances on the property.3. NoC from Bank (in case there is a loan on property)4. Share Certificate from Society (in case of cooperative housing society)5. Entire Chain of Documents from first Sale Deed (Mother Deed)6. Utility Bills & Tax Receipts up to date7. Society Related Documents8. Possession Certificate9. NoC from Society10. After the entire payment is made, get you Sale Deed registered11. Get a new Share Certificate issued in your name from the society