Why Property Title Verification Is Important
Buying property in Bangalore needs careful verification to steer clear of legal disputes and financial losses. The city's fast growth has led to complex ownership issues that need scrutiny before any deal.
Key Documents for Verification
Before starting the verification, collect these important documents from the seller:
- Sale Deed: Main ownership proof
- Encumbrance Certificate (EC): Shows the financial history of the property for 12-30 years
- Khata: Revenue record showing ownership
- Property Tax Receipts: Proof of current payments
- Building Plan Approval: Municipal authorization
- NOCs: Approvals from relevant authorities
Detailed Verification Steps
1. Title History Check
Look at the property's ownership history. Check for inheritance claims, legal disputes, or existing mortgages that could impact the transaction.
2. Encumbrance Certificate Review
The EC shows all transactions involving the property. Make sure previous sales, mortgages, or liens have been properly cleared.
3. Legal Expert Consultation
Hire a senior property lawyer for thorough due diligence. Professional verification costs range from ₹12,000 to ₹15,000 for residential properties in Bangalore.
4. Online Verification
Use Karnataka's Bhoomi Online Portal to cross-check property records. Enter the property ID, village, or circle details to access official records.
5. Authority Approvals Check
Verify approvals from authorities, including layout plans, commencement certificates, and clearances from Electricity Board, Pollution Control Board, and Airport Authority.
Warning Signs to Watch Out
Consult a legal advisor to check all property-related documents for any missing items, such as pending lawsuits, unclear ownership chains, or NOC letters. These issues can cause expensive legal battles later.
Professional verification protects your investment and ensures a smooth purchase experience in Bangalore's real estate market.