Planning to Buy Property in Bengaluru?
Checking the title deed is the most important step to avoid legal issues later. A title deed proves ownership and confirms whether the seller has the right to sell the property. Verifying this document protects you from fraud and disputes. Here is a clear and simple guide to check the title deed properly.
What is a Title Deed - Basic Details
A title deed is an official document that proves property ownership. It includes important details like:
- Owner’s name
- Property address
- Survey number
- Property boundaries
- Details of past owners (if any)
This document is required for buying, selling, or availing loans on the property. Checking it ensures the property is genuine and free from legal troubles.
Why Checking the Title Deed is Important - Key Reasons
- Confirms Ownership - Proves that the seller legally owns the property.
- Avoids Disputes - Ensures there are no pending cases or claims.
- Checks Loans or Dues - Confirms the property is free from loans or unpaid dues.
- Prevents Fraud - Protects against fake documents and scams.
- Secures Investment - Ensures your money is safe.
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Steps to Check the Title Deed - Simple Process
Step 1 - Confirm Registration Details
- Visit the Sub-Registrar Office where the property is registered.
- Request a certified copy of the title deed.
- Verify details like the owner’s name, property address, and survey number.
Step 2 - Get Encumbrance Certificate (EC)
- An Encumbrance Certificate shows if the property has loans, disputes, or dues.
- Apply at the Sub-Registrar Office or online using the Karnataka Stamps and Registration Portal.
- A clear EC means the property has no legal or financial issues.
Step 3 - Check Property Records Online
- Use Karnataka government portals like Bhoomi and Kaveri Online Services.
- Enter the property survey number or ID.
- Check ownership history and any changes in ownership.
Step 4 - Verify Mutation Records
- Mutation records confirm ownership changes when the property is sold or transferred.
- Visit the Revenue Department Office or check online.
- Get a mutation extract to confirm the latest owner details.
Step 5 - Verify Property Boundaries
- Make sure the size and boundaries match the title deed.
- Hire a licensed surveyor to measure the property.
- Check for any encroachments or disputes.
Step 6 - Confirm Building Approvals
- Verify approvals from BBMP or BDA.
- Ensure building plans match the actual construction.
- For apartments, check for Commencement Certificate (CC) and Occupancy Certificate (OC).
Step 7 - Get Legal Advice if Needed
- Consult a property lawyer if any documents are unclear.
- Lawyers can check for errors or hidden disputes.
- They can also explain legal terms in simple language.
Extra Tips - Important Checks
- Correct Details - Confirm names, addresses, and survey numbers are accurate.
- Joint Ownership - Check approvals from all owners if more than one person owns the property.
- Old Deeds - Verify past records for older properties.
- Loans or Dues - Ensure loans are cleared and get a No Objection Certificate (NOC).
- Inheritance or Will - Check legal heir certificates for inherited properties.
Additional Documents to Verify - Extra Safety
- Khata Certificate - Confirms property details and tax status.
- Property Tax Receipts - Make sure taxes are paid up-to-date.
- Sale Agreement - Check terms between buyer and seller.
- Power of Attorney - Verify the seller has rights to sell the property.
Final Words
Verifying the title deed is an essential step before buying property in Bengaluru. It confirms ownership, avoids disputes, and protects your investment. Follow these simple steps, such as checking registration, getting an Encumbrance Certificate, verifying online records, and consulting experts.
Buying property is a big decision. Spending some extra time to verify documents can save you from future troubles. Double-check all details and seek legal advice if needed. These steps will help you complete a safe and stress-free property purchase.
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