Purchasing a home is one of the most significant decisions in a person's life, especially in a rapidly developing city like Gurgaon. With real estate investments involving high financial stakes, legal due diligence is crucial to avoid future disputes or financial loss. Here’s a complete legal checklist you should follow before buying a 3 BHK in Gurgaon .
1. Verify the Property Title
Ensure the seller has a clear and marketable title. A title search through a property lawyer can confirm rightful ownership and reveal any existing disputes or legal encumbrances.
2. Check the Sale Deed
This document legally transfers ownership from the seller to you. The sale deed should be reviewed to confirm the property’s full description, boundaries, parties involved, and terms of sale.
3. Examine the Encumbrance Certificate
An encumbrance certificate proves the property is free of any mortgages, loans, or legal dues. In Gurgaon, you can obtain this from the local sub-registrar’s office covering the past 12–15 years.
4. Review the Occupancy Certificate
Issued by the municipal authorities, this certificate confirms that the building is constructed as per approved plans and is ready for occupancy. It's mandatory for getting electricity and water connections.
5. Check Approved Building Plans
Verify that the property’s construction aligns with plans sanctioned by the Gurgaon Municipal Corporation or relevant authority. Unauthorized constructions can result in heavy penalties or demolition.
6. Inspect Tax Receipts and Bills
Ask for the latest property tax receipts, electricity bills, and water bills. These documents ensure there are no pending dues and that the property is legally recognized by the authorities.
7. RERA Registration
Check if the property is registered under Haryana RERA. You can verify this online. RERA ensures transparency and protects buyers from fraudulent practices by builders.
8. Builder-Buyer Agreement (for New Properties)
If you’re buying a property directly from a builder, go through the Builder-Buyer Agreement carefully. It should mention the possession date, penalty clauses, payment plan, and specifications.
9. Check Mutation Records
Mutation refers to the transfer of ownership in revenue records. It is important for establishing legal ownership and for paying property taxes in your name.
10. Legal Verification by a Property Lawyer
Even if all documents seem in place, having them verified by an experienced property lawyer in Gurgaon ensures you're protected against forged or incomplete paperwork.
Final Thoughts
Buying a 3 BHK involves more than just selecting a good location and negotiating the price. Legal clarity is non-negotiable. Whether you're eyeing a ready-to-move-in apartment or an under-construction flat, this legal checklist can guide you through a secure and informed homebuying journey.