Property document checklist before you sign anything
The legal and technical papers a lender's team will demand, and what to verify yourself.
5 min read
What you need to know
A lender's legal opinion protects the lender. Your own diligence protects you. Ask for the full chain of title going back at least thirty years, and match the built-up area on site with the approved plan.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Key points and practical checks
- Registered agreement for sale and prior chain of conveyance
- 7/12 extract or property card and mutation entries
- Approved building plan, commencement and occupancy certificate
- Society share certificate, NOC and no-dues letter
- Latest municipal tax and maintenance receipts
- Encumbrance certificate and, for resale, the previous loan closure and NOC
Frequently asked questions
What is the main takeaway from “Property document checklist before you sign anything”?
The legal and technical papers a lender's team will demand, and what to verify yourself.
What should I check before acting on this documentation guide?
Start with these checks: Registered agreement for sale and prior chain of conveyance; 7/12 extract or property card and mutation entries; Approved building plan, commencement and occupancy certificate. Your final eligibility, pricing and approval still depend on the lender’s assessment.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.