Mumbai Home Buying Checklist: Title Checks to Home Loans & More Mumbai Home Buying Checklist: Title Checks to Home Loans & More Planning to buy a flat in Mumba or other urban cities in Maharashtrai? Use this checklist to verify title documents, home loan papers, and post-registration updates. It applies to resale, new, and under-construction properties.
Check the Project’s Legal Status (RERA & Approvals) Start by reviewing the builder and project details. This helps confirm whether the project is registered and compliant.
RERA Cetificate Sample Image Key items to check:
Verify Title Ownership with These Documents Title documents verify that the seller has legal ownership of the flat and the land parcel it sits on. Missing any of these could cause legal or financial issues later.
30-year Search Report / EC Sample Image Important documents include:
Prepare a Clean File for Home Loan Sanction A complete and organized set of documents speeds up home loan approval and could even help you get better rates. Typical home loan documents:
Mumbai Property Card / Survey Register Sample Image KYC – PAN, Aadhaar Bank statements, Salary slips and ITR Agreement to Sell / Sale Deed Certified Copy All title documents listed earlier Property tax paid receipts Utility bills (water, electricity, gas) Society Share certificate
Complete Property Registration at any SRO in Mumbai The sale is complete only when it’s registered at the Sub-Registrar Office.
Steps to follow:
Generate e-stamp duty and registration payment receipt Book a slot on the government registration portal Sign documents at the SRO office in the presence of witnesses Hand over the registered originals to the bank if on loan You can choose any SRO office in Mumbai via the new “One State, One Registration” scheme
Transfer Utility Accounts and Property Records Once registered, you need to update all service providers and municipal records. Each provider usually needs the registered deed, last paid bill, society NOC, and Aadhaar.
BMC Property Tax Sample Image Update the following:
Electricity – Adani, BEST, MSEDCL Water and Gas – Mahanagar Gas, BMC Property tax – name change request on the property tax bill Housing society records – get updated share certificate Monitor Title Status Regularly Even after purchase, continue to monitor your title.
Check mutation status via Aapli Chavdi or BMC’s online mutation notice board Ensure no unauthorized claims or mutation requests have been filed on the plot Use Landeed to Simplify This Process You can complete many of these steps digitally using the Landeed app
Download certified copies of all title documents including 7/12, Property Card, and Search Report Generate lender-ready and registration-ready document packs Track mutation and property status online Transfer Utility Accounts and Property Records 
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