Why Title Verification Matters
Purchasing a property without verifying its title is one of the most common mistakes buyers make in India. A clear title ensures that the seller has the legal right to sell the property and there are no disputes, encumbrances, or outstanding liabilities attached to it.
Step 1: Obtain the Title Deed
Request the original title deed from the seller. This document traces the ownership history of the property, ideally going back at least 30 years. Check that each transfer of ownership is legally documented and registered.
Step 2: Check the Encumbrance Certificate
An Encumbrance Certificate (EC) from the Sub-Registrar office confirms that the property is free from any monetary or legal liabilities such as mortgages or loans. You can obtain this certificate for any period you need.
Step 3: Verify Property Tax Receipts
Ensure that all property taxes have been paid up to date. Outstanding tax dues can become your liability after purchase. Obtain the latest tax receipt from the seller.
Step 4: Check for Litigation
Search court records to confirm that the property is not involved in any ongoing litigation. This can be done at the local civil court or through a legal professional.
Step 5: Verify RERA Registration
For under-construction projects, always verify that the project is registered under RERA (Real Estate Regulatory Authority). This protects you against project delays and builder fraud.
Conclusion
Property title verification is not just a formality ÔÇö it is your first line of protection against fraud and legal disputes. Always engage a qualified property lawyer to conduct a thorough title search before signing any agreement.