Property Verification Checklist for Delhi NCR Home Buyers

Legal Checks – Verify Ownership & Title

Before you make any payment, verify the legal status of the property. These checks protect you from title disputes and fraud:

• Sale Deed — Ensure the seller has a registered sale deed in their name.
• Chain of Title — Verify at least 30 years of ownership history.
• Encumbrance Certificate — Check for pending loans or mortgages (last 15 years).
• Mother Deed — Trace ownership back to the original allotment.
• Property Tax Receipts — Confirm all taxes are paid by the current owner.
• RERA Registration — For under-construction projects, verify RERA registration status.
• Litigation Check — Search for any ongoing or past court cases related to the property.

Technical Checks – Physical Inspection

A physical inspection ensures the property exists as claimed and meets basic quality standards:

• Boundary Verification — Confirm boundaries match the layout plan.
• Built-Up Area — Verify the actual area matches the sale agreement.
• Construction Quality — Check for structural cracks, water seepage, and finishing.
• Approved Plan — Ensure construction follows the approved building plan.
• Utilities — Verify water, electricity, and sewerage connections are legal and functional.
• Common Areas — For apartments, check common areas and amenities match the brochure.

Financial Checks – Valuation & Costs

Beyond the purchase price, consider these financial aspects:

• Market Valuation — Get a government registered valuer to assess the fair market price.
• Circle Rate vs Market Rate — Understand the difference to avoid overpaying.
• Stamp Duty & Registration — Calculate these costs accurately (varies by state).
• Home Loan Eligibility — Check if the property meets the bank's approval requirements.
• Hidden Costs — Include maintenance deposits, parking charges, and legal fees in your budget.

Delhi NCR Specific Considerations

Delhi NCR has unique challenges that buyers must account for:

• Unauthorized Colonies — Many areas in South and West Delhi are unauthorized. Check the regularisation status before buying.
• Land Pooling Zones — In Greater Noida and Gurugram, some areas fall under land pooling schemes with complex ownership rules.
• DTCP vs HUDA — In Haryana, approvals from DTCP (Department of Town and Country Planning) differ from HUDA approvals. Know which applies to your property.
• Power of Attorney Sales — POA-based transactions are risky. Always insist on a registered sale deed.