Property documents

 Purchase of a flat or apartment from a builder/promoter

• Title deeds of the builder/land owner for a period of at least 13 years.
• Development agreement between the builder and land owner if applicable.
• Power of Attorney executed in favour of the builder, if applicable.
• An encumbrance certificate for the past 13 years.
• The khata certificate. (Basic document indicating ownership of property as entered in the register of the government authorities.)
• Up-to-date tax paid receipts of the property.
• A sanctioned plan and licence.
• An agreement for sale and a construction agreement with the borrower.

 In case purchase of house from second owner

• Title deeds of land owner for a period of at least 13 years.
• Encumberance certificate for the past 13 years.
• Khata certificate (Basic document indicating ownership of property as entered in the register of the government authorities).
• Up to date tax paid receipts of the property.
• Sanctioned plan and license.
• Agreement for sale in favour of the applicant/applicants.
• Valuation report from qualified valuers.

 In case of repairs / renovation / extension of house/ flat

• Title deeds of land owner for a period of at least 13 years
• Encumberance certificate for the past 13 years.
• Khata certificate (Basic document indicating ownership of property as entered in the register of the government authorities).
• Up to date tax paid receipts of the property.
• Sanctioned plan and license for the extension.
• Agreement for sale in favour of the applicant/applicants.
• Estimates of costs from a qualified engineer

Note: The above mentioned list of documents is not exhaustive, though an attempt has been made to do so. It should also be kept in mind that though the list of documents required might vary from company to company (sometimes even from state to state!), you may well be advised to keep these handy at the time of application.