Real estate investment is a big deal, literally and figuratively. Whether you are looking to buy a site in Bangalore or searching for a “property near me”, a clear title is the key to determining a property's value. Title verification ensures that you legally own the property and saves you from any potential disputes, fraud, or ownership claims thereafter.
Why Title Verification Is Important?
A marketable title means the seller can legally transfer the property to the buyer. Without diligence, you leave yourself open to buying a property in dispute and being subject to loss and a prolonged legal case. In booming Bangalore, you buy at your own risk if you do not ensure that you are purchasing something with a clear title.
How do you check the title of a property in Bangalore?
- Examine the Sale Deed
This sale deed is the most critical document in proving your ownership. Remember to check the seller's name, the property description, and the transaction history. If you are purchasing a property, register the sale deed at the sub-registrar's office.
- Check the Encumbrance Certificate (EC)
An Encumbrance Certificate indicates whether the property is subject to legal liability for past dues, loans, and mortgages. You can get an EC online in the Kaveri Portal, Karnataka. For any property in Bangalore, an EC is one of the strongest documents confirming clean ownership.
- Review of Khata Certificate and Extract
There are two jurisdictions in Bangalore, and therefore, the Bruhat Bengaluru Mahanagara Palike (BBMP) issues the Khata certificate and extract. This paper describes the property in the town records for tax purposes. An eligible Khata certifies that the government has registered and approved the Bangalore property for legal purposes and development.
- Inspect Past Ownership Records
Do a chain of title search back at least 30 years and find out who the owners were. This will help you check that the property has not been inherited or transferred with specific disputes.
- Verify Approvals and Conversion Certificates
If the land is agricultural, check for a DC conversion certificate to use it for residential or commercial purposes. Look for apartments and sites that have approval from BDA, BBMP, and RERA.
- Cross-Check with Legal Experts
Whenever you check a property title in Bangalore, ask a property lawyer for expert guidance. Lawyers can verify documents and catch red flags you might miss.
Conclusion
While searching for “property near me,” make it a point to check the Certificate of Title. Verifying the sale deed and encumbrance certificate, inspecting the Khata documents, and the old ownership record strengthen your peace of mind. Do your due diligence and seek professional help, and you, too, will be able to buy a house for sale in Bangalore without any fear or regret. Make an investment that you are comfortable with and one that will pay off in the future!
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