Top 5 Essential Documents You Need to Buy a Flat in Pune

Buying a flat in Pune is an exciting milestone, whether you're a first-time homebuyer, an NRI returning to invest, or an experienced investor looking to expand your portfolio. However, while location, amenities, and pricing are important, the legal paperwork is equally crucial. A single missing or incorrect document can stall your homebuying process or lead to future legal complications.

To ensure a smooth, hassle-free experience, we at Bramha Realty have prepared this definitive list of the top 5 essential documents every homebuyer must verify while purchasing a property in Pune.

1. Agreement to Sale

This is the most important document during the initial phase of your property purchase. The Agreement to Sale is a legally binding document that outlines all the terms and conditions agreed upon between the buyer and the builder or seller. It includes:

• Details of both parties (buyer and seller)
• Total cost of the flat
• Flat number, carpet area, floor plan
• Possession date and payment schedule

It should be registered with the Sub-Registrar Office as per the Maharashtra Real Estate Regulatory Authority (MahaRERA) guidelines.

2. Title Deed

The Title Deed is legal proof of property ownership. This document verifies whether the seller has clear legal ownership and the authority to transfer the property. You must ensure that the property has a clear title with no legal disputes or claims. It’s advisable to get this deed checked by a real estate lawyer before proceeding.

3. Encumbrance Certificate

The Encumbrance Certificate (EC) is a record that certifies the property is free from any monetary or legal liabilities such as loans, mortgages, or disputes. This certificate can be obtained from the Sub-Registrar's office. It typically covers a period of 13 years but can be requested for up to 30 years.

This document ensures that there are no claims from any third parties. It’s especially important if you are taking a home loan as most banks will ask for this certificate before sanctioning the loan.

4. Occupancy Certificate (OC)

Once the construction is completed, the builder must obtain an Occupancy Certificate from the local municipal authority. This certificate confirms that:

• The building construction is as per approved plans
• All necessary infrastructure like water, drainage, and electricity is in place
• The property is fit for occupation

Without the OC, the building is considered illegal for residential use. Avoid taking possession without this document.

5. Latest Property Tax Receipt

Make sure to collect the latest property tax receipts from the seller or builder. This proves that there are no outstanding municipal dues or property tax arrears. Delays or defaults in property tax payment can cause issues during registration and resale in the future.

If you’re buying a flat in a resale project in Pune, verify the receipts for the last few years and match the name with the property owner to ensure legitimacy.

Other Important Documents to Check

In addition to the five essentials mentioned above, also check for the following documents:

• RERA Registration Certificate
• Building Plan Approval from PMC or PCMC
• No Objection Certificates (NOCs) from authorities like fire, water, and environment
• Allotment Letter and Possession Letter
• Loan Sanction Letter (if applying for a loan)

Why Legal Due Diligence is a Must

Legal due diligence not only protects you from future disputes but also adds confidence when applying for a home loan. Whether you are purchasing a ready-to-move-in flat or investing in an under-construction project, it’s wise to consult with a property lawyer and verify every document thoroughly.

Conclusion: Make Your Homebuying Journey Safe & Smooth

Pune's real estate market is booming with ample opportunities in localities like Dhanori, Wagholi, Pimpri, and Viman Nagar. However, making a well-documented and legally sound purchase is crucial. At Bramha Realty, we ensure that every flat we offer is backed by complete and transparent documentation so that your homebuying journey is smooth, secure, and stress-free.

Before signing any agreement or transferring funds, always ensure these 5 essential documents are verified and available. It’s your right as a homebuyer to ask for clarity and professional legal consultation at every step.