Buying a property in India? 5 things you need to be careful of before signing any document
Times of India
by TIMESOFINDIA.COMFebruary 23, 2026
AI-Generated Deep Dive Summary
Buying property in India is a significant decision that requires careful planning and due diligence to avoid legal and financial pitfalls. With high capital investments and long-term commitments, it’s crucial to approach real estate transactions with caution. The article highlights five critical factors buyers must consider before signing any documents.
First and foremost, verifying the legal title and ownership of the property is essential. Ensuring the seller has a clear and marketable title confirms they have the right to sell the property without disputes or encumbrances. Buyers should obtain an Encumbrance Certificate to confirm the property is free from loans or mortgages and check for any pending litigation in local courts.
Regulatory compliance is another key aspect, especially for under-construction properties. Buyers must verify that the project has all necessary approvals, such as the Occupation Certificate (OC) and Clearance Certificate (CC), along with RERA registration and approved layout plans. This step ensures the property meets legal standards and minimizes risks associated with unapproved developments.
Location plays a vital role in determining long-term value. Assessing future growth prospects, connectivity to essential amenities like offices, public transport, schools, and hospitals, as well as compliance with zoning regulations and environmental restrictions, is crucial. Buyers should also ensure the transaction aligns with officially notified circle rates to avoid financial discrepancies.
Financial planning is equally important. Many buyers overlook additional costs such as stamp duty, registration fees, taxes, legal fees, and loan processing charges. Understanding these expenses and factoring them into the budget can prevent post-purchase stress. Additionally, securing a home loan requires evaluating interest rates and long-term repayment plans to avoid financial strain.
Finally, inspecting the property’s physical condition is non-negotiable. Whether new or resale
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Originally published on Times of India on 2/23/2026