You should ask for the Sale Deed, Encumbrance Certificate (EC), Khata Certificate and Extract, Occupancy Certificate (OC), Completion Certificate (CC), approved building plan, latest property tax receipts, and RERA registration details. Together, these documents confirm legal ownership, absence of loans or disputes, municipal recognition, construction approval, and regulatory compliance. Banks and Sub-Registrar Offices rely on this complete set for registration and home loan approval.

Property documents should be verified through both online portals and physical checks. Encumbrance Certificates can be verified online via Karnataka land records. RERA details can be checked on the Karnataka RERA portal using the project number. Khata status and tax payments must be cross-verified with . Approved plans and Occupancy Certificates should match the actual construction. Physical verification of original documents is strongly recommended, especially for resale flats.

No. Property registration in Bangalore is active and continues through Sub-Registrar Offices. Registrations may be delayed or refused if documents are incomplete, stamp duty is underpaid, or property records do not match government databases. Common issues include missing Occupancy Certificates, incorrect Khata entries, or unpaid property taxes.

Banks require the Sale Deed, Encumbrance Certificate, Khata Certificate, approved building plan, Occupancy Certificate, Completion Certificate, RERA registration details, and latest tax paid receipts. Lenders assess these to confirm clear title, legal construction, and regulatory compliance. Projects lacking OC or RERA registration are commonly rejected for home loans.

Buying a flat without an Occupancy Certificate is legally risky and not recommended. An OC confirms that the building is constructed as per approved plans and is fit for occupation. Without it, buyers may face difficulty obtaining home loans, utility connections, and resale approvals. Many banks refuse financing for properties without an OC.

Resale flat registration requires the original Sale Deed, complete chain of previous Sale Deeds, Encumbrance Certificate, Khata Certificate, latest property tax receipts, Occupancy Certificate, and seller identity proof. If a loan exists, bank loan closure documents are mandatory. These documents establish ownership continuity and confirm absence of legal disputes.

Property registration in Bangalore typically costs between 6% and 7% of the property value. Stamp duty ranges from 5% to 6% depending on ownership type and property value, while registration charges are 1%. Additional cess and scanning fees may apply. Charges are calculated on the guidance value or sale consideration, whichever is higher.

Yes. RERA registration is mandatory for all eligible residential projects in Bangalore under . RERA ensures transparency in approvals, timelines, and disclosures. Buyers can verify project status, builder details, and possession schedules online. Buying a non-RERA project significantly increases legal and financial risk.

An Encumbrance Certificate records all registered transactions related to a property, such as sales, mortgages, and loans, and confirms whether the property is free from liabilities. Khata is a municipal record maintained by BBMP for property tax assessment and civic recognition. EC establishes title clarity, while Khata confirms municipal registration. Both are essential for registration and loans.