7 Things to Check Before Buying a Property

Buying a property is one of the biggest financial decisions you will ever make. A polished brochure and a friendly sales pitch can make any project look perfect, but the real story sits in the paperwork, the site, and the numbers. 

Whether you are a first-time buyer or a seasoned investor, these seven checklist for buying properties can help you avoid costly surprises and decide with confidence.

1. Is the Property Title Clear and Legal?

A clear and legal title means the seller legally owns the property and no one else has a claim on it. Before paying any advance, ask for the sale deed, past ownership documents, and an encumbrance certificate, which shows any pending loans or legal disputes.

It also helps to hire an independent property lawyer instead of relying only on the seller’s or builder’s lawyer. Also confirm that the name on the documents matches the seller’s identity proof. If the seller hesitates to share any document, pause the deal.

2. Is the Project Registered Under RERA?

Yes. Most residential projects must be registered with your state’s Real Estate Regulatory Authority (RERA) before they are advertised or sold. Registration means the builder has publicly shared approved plans and a possession timeline.

You can search the project’s registration number on your state RERA website to see the approved plans, the promised possession date, and any complaints filed against the builder. If a project has no registration, treat that as a serious red flag. This step takes only a few minutes. Save a screenshot or printout of the RERA page for your records.

3. Does the Builder Have a Good Track Record?

A reliable builder has a history of delivering projects on time and with the promised quality. Visit one or two of their completed projects and speak with residents about delays, build quality, and after-sales service. Ask how many past projects were handed over by the promised date. A quick online search for consumer court cases or news reports about the builder can also reveal a lot. Independent reviews can add context, but always verify them with residents.

4. Are All Approvals and Clearances in Place?

Yes, every approval should be in place before you buy. Ask for original or certified copies of these key documents.

• A sanctioned building plan from the local municipal authority
• A commencement certificate for under-construction homes, or an occupancy certificate for ready-to-move-in homes
• No-objection certificates from departments such as fire safety, where applicable

Buying without an occupancy certificate can create trouble with utility connections, home loans, and resale later. Have a lawyer confirm that none of the approvals has expired.

5. Is the Location Right for Your Daily Life?

The right location fits your daily routine and holds its value over time. Visit the area at different times, such as a weekday morning, an evening, and a weekend, to check traffic, noise, and safety. Look at how far it is from your workplace, schools, hospitals, and public transport. If possible, visit after heavy rain to spot waterlogging, and ask residents about water supply and power backup. Also check local development plans, since delayed infrastructure can affect future value.

6. What Is the Total Cost of Buying the Property?

The total cost is usually higher than the listed price. On top of the base price, plan for stamp duty, registration charges, GST on under-construction homes, parking, maintenance deposits, and interior work. Ask the seller for a written cost sheet so no charge appears as a surprise later.

Many financial planners also suggest keeping your total EMIs at or below 40 percent of your monthly take-home income, so you can handle the loan comfortably even when other expenses rise. Use a home loan EMI calculator before you finalise your budget.

7. Should You Inspect the Property Yourself?

Yes. Always inspect the property yourself and, if possible, take a civil engineer along. Look for cracks, dampness on walls and ceilings, water pressure, electrical fittings, windows, and natural light.

Also check the carpet area, which is the actual usable floor space inside the apartment. RERA requires builders to sell on carpet area, so compare it with the super built-up area to understand what you are really paying for. Note every defect in writing before possession so you have a stronger case for repairs.

Ready to Make a Confident Purchase?

Checking these seven points may feel like extra work, but it is the best protection for your money and your peace of mind. Take your time, ask questions, and never rush because of a limited-time offer. Save this checklist, check off each point, and consult a qualified lawyer for your specific case. When you are ready to explore your options, visit Aurezza Living and take the next step with confidence.