Buying property is one of the most important financial decisions a person can make. In today’s digital age, most buyers start their journey on an online property portal. These platforms have simplified the search process, allowing you to browse through hundreds of listings, compare prices, and explore locations from the comfort of your home. However, while portals provide convenience, the responsibility of verifying the legal aspects of a property lies with the buyer. Without due diligence, you could end up with disputes, hidden liabilities, or even fraudulent transactions.
Here’s a detailed guide on the legal things you must check before purchasing property through an online property portal.
1. Verify Title Deeds
The first and foremost step is to confirm that the seller has clear ownership of the property. Title deeds should be free of disputes, mortgages, or legal claims. Ask for certified copies of the title deed and have them reviewed by a property lawyer. A valid title ensures that the seller has the legal right to sell the property.
2. RERA Registration
In India, property buyers are protected under the Real Estate (Regulation and Development) Act, 2016. Every project must be registered with the RERA approved by the respective state. Before finalizing a deal, check the project’s RERA registration number on the app or official website. This gives you access to details like project timelines, approvals, and developer background. If a listing on an online property portal does not mention RERA registration, treat it as a red flag.
3. Land Use and Zoning Approvals
Before investing, make sure the property complies with the master plan of the city. Residential, commercial, or industrial zoning determines how the land can be used. Verify that the property has been approved by local municipal authorities for its intended purpose. Buying residential property in an area zoned for commercial use can create legal complications later.
4. Conversion of Land Records
In some cases, agricultural land is converted into residential plots. Ensure proper land conversion certificates are available. For example, if you are comparing measurements, you may come across conversions such as acre to bigha. These units vary from state to state, so checking accurate land size with official records is essential to avoid disputes over plot dimensions.
5. Encumbrance Certificate (EC)
An encumbrance certificate is proof that the property is free from monetary or legal liabilities. It lists all registered transactions on the property, including loans or mortgages. This certificate can be obtained from the local sub-registrar’s office. Always insist on checking the EC before purchasing through an online listing.
6. Occupancy and Completion Certificates
If you are buying a ready-to-move property, ask for the Occupancy Certificate (OC) from the municipal authority. For under-construction projects, check the Completion Certificate (CC) once the project is finished. These documents certify that the property is built as per approved plans and complies with safety standards.
7. Builder/Developer Reputation
When dealing with projects listed on an online property portal, research the builder’s track record. Look for past projects, delivery timelines, and customer reviews. Many buyers make the mistake of trusting glossy photos and marketing campaigns without investigating the credibility of the builder. A little background check can prevent years of legal hassle.
8. Sale Agreement and Registration
A legally binding sale agreement should outline payment schedules, possession dates, penalties for delays, and other terms. After signing the sale deed, ensure it is registered at the local sub-registrar’s office to make the ownership legally valid.
9. Tax Receipts and Utility Bills
Unpaid property taxes or utility bills can become the buyer’s burden after purchase. Always check the latest tax receipts, electricity bills, and water bills. This ensures the property has no outstanding liabilities.
10. Cross-Verification on Multiple Platforms
Sometimes listings on one online property portal may not disclose complete information. It’s a smart practice to cross-check the property details on other portals, government websites, or even with real estate consultants. Doing so helps ensure that you’re not relying solely on one source of information.
Why Legal Checks Are Essential?
While online property portals have made property hunting convenient, they cannot replace due diligence. Legal checks protect you from fraudulent sellers, disputed properties, and financial loss. Buyers who neglect these steps often end up in lengthy legal battles or face losses that could have been easily avoided.
Interestingly, just like fans use verified sources to confirm the authenticity of the South Indian actors list, property buyers must also rely on credible legal documents instead of just online advertisements. Trust, verification, and transparency remain the key in both cases.
Final Thoughts
Buying property through an online property portal can save time and effort, but it should never replace legal due diligence. From verifying title deeds to checking approvals on the RERA-approved, and even confirming land conversions such as acre to bigha, every step ensures a safe and stress-free investment.
If you’re planning to buy your dream home or an investment property, make sure you prioritize these legal checks before signing on the dotted line. A few extra steps today can save you from years of financial and legal trouble tomorrow.
