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ChecklistbeforeTakingPossessionofYourNewApartment

Importantchecklistforpossessionofflatorhome
ThechecklistcanbebroadlyclassifiedintotwocategoriesListofDocumentstoVerifyandThingstocheckwithintheprojectand
respectiveunit.
Verifytheseimportantdocuments
Beforetakingthekeysfromthebuilderoranowner,makesurethatyouhavereceivedtheoriginaldocumentsandphotocopiesof
alltheessentialdocumentsfromthebuilder/owner.Theimportantdocumentsoneshouldbeobtainingareasfollows:

Encumbrancecertificate:Amandatorylegaldocumentthatensurescompleteownership
ofthepropertywithoutanyfinancialorlegalliabilities.(Askforthepast30years)
Commencement Certificate: Issued to the builder by the licensing authority after
specificationsintheIODarefulfilled.
No Objection Certificate (NOC): Builders need an NOC from various government
departments before beginning construction of the project. These include
BESCOM/BWSSB,KPTCL,EnvironmentClearance
Completion Certificate: A legal document stating whether the building has been
constructedaccordingtoregulationsandnorms.
Occupancy Certificate (OC): A mandatory certificate issued by the civic authority
signifyingcomplianceofthebuildingtotheapprovedplanandotherbuildinglaws.
Khata:Thedocumentsignifiesthepersonsnameunderwhichthepropertysrecordsare
maintainedinthelocalcivicbodysoffice.
Jointdevelopmentagreement(ifany):Necessaryiftherearetwoormorepartiesjointly
involvedintheprojectsdevelopment.

New
property/under
construction
fromthebuilder

GeneralPowerofattorney(GPA):Alegaldocumentwhereonepartyauthorisesanother
party to act on his behalf as his legal representative as well as take binding legal and
financialdecisions.
Buildingplanapprovals:Statewhetherthebuildingplanhasbeenapprovedbythelocal
authorityornot.Ifnotauthorised,itisanillegalconstruction.(Forinstance,BBMPor
BDAincaseofBangalore)
Allotmentletter:Incaseyouaregoingforaloan,thebuilderorthecooperativesociety
issuesthisletterwithdetailsofthepropertybeingbought/sold,basedonwhichthebank
releasestheremainingfunds.
Tri partite agreement (if any): In case the builder has taken a loan to develop the
property
Letter of No Dues: Letter of possession is issued only after all balance payments are
received. Till all such clearances are documented internally, the builder will not be
signingthepossessionletter.
Registereddeedofconveyance
LanduseCertificate/ConversionOrder
Detailsofelectricity,waterandpowerbackup
Agreementbymaintenanceagency
Carparkingallotmentanddetails
Note:Documents such as sale agreement, sale deed, mother deed and tax
paidreceiptsbythebuilderontotalsaleableareaaretobeobtainedatthe
timeofpropertyregistration,incaseofunderconstructionproperty.
In this case, most of the documents are the same as the above with the following few
differences
Alltheabovementioneddocumentsaretobeobtainedatthetimeofregistration

Resaleproperty

Uptodatereceiptsofpropertytaxpaidbytheowner

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8/24/2016

ChecklistbeforeTakingPossessionofYourNewApartment

GPA in case of another person authorised by the owner for selling the property and
handlealltransactions.
Transfercertificate
ThingstocheckwithintheProject/Unit

Amenities:Builderspromiseaplethoraofamenitiessuchasswimmingpool,clubhouseandgym,tonameafew,at
thetimeofbooking.However,itmayhappenthatsomeofthesemaybedelayed,ornotinanondesirableconditionat
thetimeofpossession.Ifnotthen,ensurethattheseamenitiesaremadeavailableaspertheagreementlateron.
Lifts and common areas: Check if the lifts, if any, are in the working condition especially if your unit is higher up.
Besidesthis,youalsoneedtoseeifthecommonareasarewelllitandhavethepromisedflooringandtilingwithinit.
Features and fittings: While taking possession of your unit, it is important that you check the fittings and features
promisedtoyouatthetimeofbooking.Thesefittingsincludetheelectricalswitchboard,doorknobs,bathroomfittings,
etc.Youmustcheckwhetherthebuilderisprovidingthesameorequivalentbrand.
Doorsandwindows:Onemustdoaduediligenceatthetimeofpossession.Ensurethatyourapartmenthasallthe
doorsandwindowsatthedesignatedplacesaspertheplan.Checkthequalityofthedoorsandthewindowsasperthe
agreement. In case of a net mesh in windows, please check that it has been properly installed. Also ensure that both
doorsandwindowsareopeningandclosingsmoothlyaswellashaveproperlatchinginthem.
Wall Paints: Wall paints need to be checked before taking possession of your dream home. All rooms must have
doublecoatpaintwithnovisiblepatches.Besidescheckingwindowandbalconygrillspaint,exteriorpaintingshouldalso
beideallycompleteatthetimeofpossession.
Look for cracks: One of the most common issues visible at the time of possession are the cracks in the wall. One
must carefully look for the cracks in the foundation, ceilings and walls, which essentially indicate movement of the
structurecausedbysettling,soilexpansionetc.Checkforcracksonthewalls,especiallyalongtheelectricalsockets.
Drainageoutlets:Thisisalsooneoftheimportantthingsyouneedtocheckbeforetakingpossessionofanewflat.
Clogged outlets are one of the most common issues one encounters when he moves into a new house. Hence, it is
advisablethatyoucheckalldrainageoutletsinbalconies,bathrooms,kitchen,utility,etc.areworkingandnotclogged.
Check for leakages: Besides verifying the bathroom fittings as per specifications, it is imperative we check that all
tapsandbathroomfittingsareinworkingcondition.Ensuretherearenoleakageswhileopeningorclosingtaps.Ensure
thatsinkinthekitchenisproperlyinstalledandthatthewaterisnotleakingdownbelowit.Observeifanyleakagesare
seeninyourbathroomorkitchen.Theseleakagescanbeeasilyaddressedatthisstageratherthanlateron.
Check switches and plugpoints: Ensure that all the sockets, plugs and bulb holders are connected to the main
supply. Also check if main fuse in the house is controlling complete current supply. If case of an inverter, ensure the
supplyshifttotheinverterifthemainswitchisswitchedoff.Verifyifallswitchesandplugpointsareworking.Checkif
theextraelectricalsockets/switchesyouhadaskedforareprovidedasperrequirement.Alsoseeiftheminiaturecircuit
breaker(MCB)isofgoodquality.
Obtainallsetsofkeys:Makesurethatallsetsofkeysareobtained.Incase,thepropertyisboughtfromthebuilder,
themaintenanceagencyusuallyhasasetofkeys.Thistooshouldbeobtainedatthetimeofpossession.
Whileabuyermayhavegonethroughthenecessarydocumentsandmayhavedoneasitevisitbeforebuyingaproperty,itis
importanttobedoublysurethateverythingisinplaceasexpected.Thissimplechecklistwillhelpyouhavepeaceofmindbefore
occupyingthatdreamhome.

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