Homebuyer’s Checklist: Key Legal Documents You Should Never Miss

Buying a home under construction is an exciting step toward building your future. However, beyond brochures and sample flats lies a crucial phase — document verification. Ensuring the right legal papers are in place before booking or during construction protects you from fraud, project delays, or ownership risks.

In Maharashtra, every homebuyer must verify certain approvals that guarantee the project’s legality and compliance with government norms.

Why Document Verification Is Crucial in Under-Construction Projects

Real estate projects involve multiple stages of approval — from land ownership to building permissions. Missing even one can lead to:

• Project delays or stoppages
• Loan disqualification or registration hurdles
• Demolition notices for unauthorized construction
• Loss of investment security 

Proper document verification ensures your dream home stands on a legally solid foundation.

Essential Documents to Verify Before Buying an Under-Construction Flat

1. Title Deed / Land Ownership Proof

Confirms the developer’s legal ownership or development rights over the land. The title must be clear and free of encumbrances. Ask for a legal title certificate issued by an advocate.

2. Land Use Certificate

Issued by the Town Planning Department, this verifies that the land is officially classified for residential development. Projects on agricultural or industrial land are not legally valid for housing.

3. Commencement Certificate (CC)

A vital approval granted by the local planning authority (e.g., BMC, NMMC, PMC) before construction begins. It ensures the project has received all necessary clearances to start work.

4. Approved Building Plan

The municipal authority sanctions this plan after verifying the layout, FSI, and compliance with zoning rules. Always compare the sanctioned plan with the site layout to ensure no unauthorized changes.

5. No Objection Certificates (NOCs)

Under-construction projects require multiple NOCs from relevant departments such as:

• Fire Department
• Water Supply and Sewage Board
• Environmental Clearance Committee
• Electricity Board

These confirm that the project complies with safety and infrastructure standards.

6. MahaRERA Registration Certificate

Every under-construction residential project in Maharashtra must be registered with MahaRERA. Verify the registration number on the official portal — https://maharera.mahaonline.gov.in.
The RERA page also provides project timelines, developer history, and approval details — ensuring transparency and accountability.

7. Allotment Letter

Issued after booking your flat, this document mentions the unit number, carpet area, payment schedule, and agreed price. It’s a binding confirmation of your home purchase and is essential for loan documentation.

8. Agreement to Sell

A legally registered agreement signed between the buyer and developer that defines payment milestones, possession timelines, and construction terms. Ensure it clearly references MahaRERA details and approved plans.

9. Encumbrance Certificate (EC)

Issued by the sub-registrar, this confirms the property is free from legal dues or loans. It provides assurance that the developer holds clean title to the land being developed.

10. Sale Deed (for future reference)

Although executed at the final stage of possession, it’s important to confirm that the developer holds the right to execute a sale deed in your name upon project completion.

11. Future Possession Documents (OC, CC, and Utilities)

While these are not required at booking, ensure the developer commits to obtaining:

• Completion Certificate (CC) — confirms construction as per approved plan.
• Occupancy Certificate (OC) — confirms the building is safe and fit for use
  These will be essential before taking possession of your flat.

Final Thoughts

Buying an under-construction home in Maharashtra offers flexibility, early pricing, and customization options — but it also demands legal diligence.
Before booking, always check the MahaRERA registration, land title, approved building plan, and commencement certificate.

Engage a property lawyer if needed and verify every approval directly from official portals or authorities. A few hours of verification today can save you from years of legal and financial distress — ensuring your dream home is built on trust, transparency, and compliance.