The papers a buyer will ask for
Before a serious buyer (or their bank) says yes, they want these. Owners who have them ready close in weeks; owners who hunt for them lose the buyer. Tick what you have.
Ownership
- Agreement for sale / sale deed in your name (registered, with the index II)
- Chain of earlier agreements going back 30 years, or the allotment letter from the builder / CIDCO
- Share certificate of the society (with transfer entries)
- Society NOC for sale and a no-dues letter
- Occupation certificate (OC) and completion certificate of the building
Money
- Latest property tax receipt
- Latest maintenance receipt and electricity bill
- If there is a loan: the bank's loan statement and a foreclosure letter; original papers are with the bank
- Stamp duty and registration receipts of your own purchase
Identity
- PAN and Aadhaar of every owner
- If an owner has died: death certificate and legal-heir / succession papers
- If an owner is abroad: a registered power of attorney
Good to have
- Approved building plan showing your flat
- Parking allotment letter
- Encumbrance certificate for the last 13 years
- Photographs of the flat, the building and the view
What owners ask
Which papers are compulsory to sell a flat in Maharashtra?
The registered agreement in your name with the chain of earlier agreements, the society share certificate and NOC, the occupation certificate of the building, and the latest tax and maintenance receipts. A buyer's bank will insist on all of these.
What if the building has no occupation certificate?
Many older buildings in Navi Mumbai and Mumbai do not. The flat can still be sold, but most banks will not lend on it, which shrinks the pool of buyers and the price. Tell us; we know which lenders still consider such buildings.
I lost the original agreement. Can I still sell?
Yes, with a police complaint, a public notice in two newspapers, an affidavit and a certified copy from the registrar. It takes a few weeks, so start now.