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Exit Guide

What Are the Different Types of Property Documents?

Given below are some property documents:

1. Sale deed/ Title deed

1. Sale deed/ Title deed

  • Used as proof of transfer of ownership of property from seller to buyer.

 

  • It is needed during sale of the property.

 

  • It might be needed as a guarantee to get a loan.

 

  • The property must be registered with the registrar along with a record of the Title deed.

2. Land Patta

2. Land Patta

  • Issued by village accountant.

 

  • It has details on extent of land, barren/cultivable land, buyer, seller and tenant names.

 

  • It also has other details like soil type, mortgage and legal charges on property and the date on which property was converted from agriculture to non-agriculture use.

 

  • A copy of Land Patta is important (not the original) for buying the property.

3. Khaata Certificate

3. Khaata Certificate

  • It is an entry in the local municipal office records.

 

  • It confirms that the property has been constructed as per the rules.

 

  • It is important for registration and transfer of property.

 

  • Original Khaata Certificate will be needed while applying for a home loan.

4. Mutation registration

4. Mutation registration

  • It is similar to Land Patta.

 

  • It is important if the property is built on converted land (agriculture to non-agriculture).

 

  • Original copy of Mutation registration is not always needed.

5. Joint development certificate

5. Joint development certificate

  • It is an agreement.

 

  • It is for cases where the seller (land owner) contributes the land and buyer (builder) undertakes development activity on it.

 

  • It proves who the owner of the property is.

 

  • Its original copy is not needed.

6. General Power of Attorney

6. General Power of Attorney

  • It is a document which allows a person to do certain things on behalf of someone else.

 

  • For example, if a buyer (B) hands over Power of Attorney to a person (P), P becomes B’s legal representative who can take legal and financial decisions including the sale or purchase of property on B’s behalf.

 

  • It is an important document and must be in its original form.

Did you know?

Power of Attorney is that same document which forms the basis of the movie Baazigar. Shah Rukh Khan’s character (Vicky Malhotra) takes over the entire business of Madan Chopra (played by Dalip Tahil) through a Power of Attorney. We find out a little into the movie that Malhotra is taking revenge (by trying to kill Chopra’s daughters) for Chopra taking over his father’s business by fraud because of a Power of Attorney!

7. No Objection Certificates (NOC)

7. No Objection Certificates (NOC)

  • They are government approvals for electricity supply, water supply, etc.
  • A builder must have NOCs before the start of construction of a property.

8. Ratification Certificate

8. Ratification Certificate

  • Also called supplementary agreement. In case there are any changes that are made in the original document, this certificate authenticates the changes.

 

  • In case you are unaware of any changes made in the original document, this certificate helps in avoiding any future shocks.

 

  • The original copy isn’t required.

9. Allotment Letter

9. Allotment Letter

  • It is issued to the buyer by the builder/ housing society at the time of applying for a bank loan to buy the property.

 

  • It mentions the amount of money already paid to the builder by the buyer.

 

  • This document must be kept in its original form.

10. Possession Letter

10. Possession Letter

  • It confirms the delivery of the property from builder to the buyer on the date mentioned in the letter.
  • It should be kept in its original form.

11. Payment receipts

11. Payment receipts

  • When buying a property, collect the original payment receipt from the builder as a solid proof of payment.
  • The original is required.

12. Encumbrance Certificate

12. Encumbrance Certificate

  • This certificate has the details of all the transactions with the property since purchase from the first seller.

 

  • It confirms the status of current owner.

 

  • Original copy of this certificate is required.

13. No dues certificate

13. No dues certificate

  • A no dues certificate is a certificate that the Apartments Owners Association needs to ensure that the owner has cleared all necessary payments related to the house.
  • This is also required in its original form.

14. Completion certificate

14. Completion certificate

It is issued by the municipal authorities. It shows whether a property complies with the rules like allowed building height, distance from the road, etc.

  • It is proof that the building was constructed according to the approved plan.

15. Occupancy certificate

15. Occupancy certificate

  • It is issued when the construction of a property is completed and is ready to be occupied.

Now you know all about property documents!

Continue reading to know what to do if the property documents are lost

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