🧾 1. Sale Deed

The Sale Deed is the core legal document that proves property ownership. It is registered at the sub-registrar’s office and officially transfers ownership from the seller to the buyer.

🔍 Ensure the sale deed is original, with all terms and conditions clearly stated.

🧾 2. Agreement to Sell

Before the final sale, a Sale Agreement is signed which outlines:

• Terms of payment
• Project delivery timeline (for under-construction)
• Penalty clauses (if applicable)

✍️ This document forms the legal foundation of the transaction.

📜 3. Title Deed / Mother Deed

These verify the ownership history of the property:

• Title Deed proves the seller's legal right to sell.
• Mother Deed traces the chain of ownership for older properties.

🛡️ Make sure the property has a clear, marketable title.

🧾 4. Encumbrance Certificate

The EC confirms that the property is free from legal or financial liabilities (like unpaid loans or claims).

📅 Get it for at least the last 10–15 years from the sub-registrar office.

🏛️ 5. Building Plan Approval

For apartments or houses:

• Check if the builder has approvals from the local municipal authority.
• This includes layout, elevation, and land use permissions.

📐 Avoid buying into projects with illegal or unauthorized construction.

📋 6. Occupancy Certificate (OC)

This is issued by local authorities after verifying that the building is ready for occupancy and follows approved plans.

✅ OC is mandatory for applying for utilities like water and electricity.

🧾 7. Completion Certificate (CC)

Issued when the building construction is completed according to approved plans. Required for resale and bank loan approvals.

🏢 Usually applies to apartments and large residential complexes.

🧾 8. Khata Certificate / Property Tax Receipts

For properties in Kerala and other Indian states, this proves that:

• The property is listed in municipal records
• Taxes have been paid up to date

🧾 Necessary for property registration and future loans.

🌍 9. RERA Registration Certificate

Under the RERA Act, all real estate projects must be registered with the state’s Real Estate Regulatory Authority.

🔒 Check the builder’s RERA number on rera.kerala.gov.in

🪪 10. Identity & Address Proof

You’ll need valid proof for all parties involved (buyer, seller):

• Aadhaar card
• PAN card
• Passport / Driving License / Voter ID
• Passport-size photos

📑 Also required for home loan processing and property registration.

💼 Bonus: Documents for Home Loan Applicants

If you're applying for a home loan, banks may additionally request:

• Income proof (salary slips, IT returns)
• Bank statements
• Employment letter or business registration
• Credit report (CIBIL)

🏦 MOR Realtors provides assistance for fast loan approvals through leading banks.

🏢 Why Trust MOR Realtors?

At MOR Realtors, we offer more than property listings:

✅ Verified Projects with Complete Legal Docs

✅ Guidance Through the Documentation Process

✅ Assistance with Registration & Stamp Duty

✅ End-to-End NRI Support

We ensure your homebuying journey is secure, smooth, and transparent.

🧭 Final Thoughts

Having all the required documents ready not only saves time and stress but also protects you from future disputes and legal risks. Whether you’re buying a flat in Kochi or a villa in Trivandrum, MOR Realtors is here to guide you every step of the way.

🌐 Explore legal-verified listings at: www.morreal.com