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What to look while buying resale flat in Bangalore when it is coming under BBMP area?

• Hi Im looking to buy a resale-apartment in East Bangalore. If I want to proceed, can any of you tell me how to proceed with the document part. 1. Can anybody provide me checklist for document part (the list of documents to be hand-over by house owner) 2. How to get encumbrance certificate? 3. If Im going to lawyer asking for check-up of documents, what is the role of lawyer in this part? what and all he has to look? 4. What are all the documents I have to hand-over to lawyer, so that he will have clean check up on document part? 5. Any suggestions please .. 6. If building plan has not approved for said number of flooring's by BBMP, then what to do? (... for more to say, If the building has 5 or 6 floors but that area is allowed to have only 3 or 4 floors, whether I shall proceed to buy the flat or not?) - for more the flat has KHATA, all tax paid upto date, Cauvery water connection cost paid, etc, 7. Any suggestions on registration part. What and all i have to ask in registration office & what are the documents I have to collect at final stage? Please help me out for clean purchasing.

• Answer:

  Dear Mr. Balaji, Nice and important question to all property buyers and even sellers. First of all advocates are little bit better than us, so we go towards advocates and taking legal opinion. Check the parent document, the land ownership deeds and buyer details. Check the approval limits and the time of approval what are the documents produced by the promoter or builder. check with the apartment association members especially the chair person. For Encumbrance, you just go to the registrars office and apply for that. For quick delivery they may charge more and normal delivery (it takes few days) might be nominal. Usually apply minimum of 15 years. If any lodging the asset like transfer of deed, mortgage, Power of Attorney everything to be registered and we can easily find such bondage and we can find the title will be clear or not. Each and every money transaction will be recorded in minimum of 20 rupees bond paper and the original kept at buyer side and XEROX copies may be given to the seller. it should be witnessed by right persons those are genuine to buyer and seller. (one from each side is always better) Next to this, even though registration has not been taken, the agreement is valid if a party has done already before you register the property. For that, the advocates usually propaganda by news paper for no objection. this is better to avoid some non sense problems. Check the house tax bills, Electricity bills, Water tax bills and all. In which names it has been issued for better understanding. Check the photograph of the owner in backside of the deed and confirm the person is present in the time of agreement. Check for proofs. Before that, check the document whether it is original at the office where it has been registered. It is always better to register the exact amount dealt in the property transfer. even though we lost some amount in registration, it avoids lot of problems. But, before doing that, go for auditors advice related income and taxation problems. Related with BBMP related issues, ofcourse the corporation is empowered to dismantling the unapproved areas and floors. Usually the court will order the floor which is constructed than the approval parameters. So, it is better to buy the floor within the limit. In Bangalore, sale a same property for many people is common. It is our hard earned money. So, have a thorough check up needed in each and every step. better go through the same builder / promoters who constructed the building. In each and every state the rules might be varied. But the basic is normal. So, just buy a book related with property buying. Ask for best advocates in this field by contacting local builders and contractors. They will guide you in a proper way. Wish you a happy Graha pravesh.... M. Srinivas Bharat, Vellore, TN