12 Critical Documents Every Flat Buyer Must Verify Before Paying Token Money

Too many buyers pay non-refundable token advances before basic document verification. Here is our community due diligence checklist:

1. Registered Title Deed (30-year trace): Ensure clear chain of ownership without gaps.
2. Encumbrance Certificate (Form 15 & 16): Minimum 30 years without hypothecation or mortgage flags.
3. HMDA / GHMC Building Sanction Plan: Verify that the specific flat floor you are buying is approved (watch out for unapproved top floors).
4. Telangana / Karnataka RERA Registration Certificate: Cross-check the promised handover date on the official portal vs what the sales agent claims.
5. Development Agreement-cum-General Power of Attorney (DAGPA): Check the sharing ratio between land owner and builder.
6. No Objection Certificates (NOCs): Airport Authority of India (Height clearance), Fire Dept, and State Pollution Control Board.

Feel free to bookmark this topic and add questions regarding specific land legalities!