Home Buying
18 articles
Society NOC and no-dues before a resale completes
Maintenance arrears follow the flat, not the seller. A no-dues certificate from the association stops them becoming yours on possession day.
OC and CC: what they prove and what happens without
A Completion Certificate says the building was built to plan. An Occupancy Certificate says it is lawful to live in. Buying without one moves that risk to you.
TDS under 194-IA: the buyer's job, not the seller's
On a property above the threshold the buyer must deduct tax at source. Get the PAN, the share split or the instalments wrong and registration stalls.
What a Bengaluru resale actually costs beyond the price
Above ₹45 lakh a Bengaluru flat pays 5% stamp duty. With cess, surcharge and the doubled registration fee, the statutory add-on is around 7.6%.
Can you get a home loan on a B Khata flat?
Most mainstream banks will not fund a B Khata purchase. What the alternatives cost, and what it does to the price you can ask when you sell.
Khata transfer after buying a flat in Bengaluru
Registration puts the deed in your name. Khata transfer puts the municipal record in your name. They are separate steps, and buyers forget the second.
Agreement to sell vs sale deed: what each one does
An agreement to sell promises a future transfer. A sale deed transfers ownership. Confusing them is how buyers pay in full and still own nothing.
MR meaning in land records: the mutation register
MR is the Mutation Register — the record of how ownership moved from one name to the next. Gaps in the MR chain are gaps in the story your sale deed tells.
DC conversion order: why agricultural land needs it
Land in Karnataka stays agricultural until the Deputy Commissioner converts it. Building on unconverted land does not regularise it, however long it has stood.
EC Form 15 vs Form 16: which one did you get?
Form 15 lists registered encumbrances. Form 16 is the Nil EC. A Form 16 does not mean clean title — it means nothing was found in the window you searched.
PTCL endorsement: what it is and how to get one
A PTCL endorsement is the Tahsildar's statement on whether land is granted land under the 1978 Act. Why buyers ask for it, and how it is obtained.
A Khata, B Khata and e-Khata: which one do you have?
A Khata means the municipal record shows the property as compliant. B Khata means it is taxed but not regularised. e-Khata is the digital record behind both.
RTC / Pahani meaning: how to read all 13 columns
RTC means Record of Rights, Tenancy and Crops. Column 9 carries the loans and column 11 the court orders — the two that decide whether the land is safe to buy.
Sy. No. meaning: Hissa, Paiki and /P on a Karnataka deed
Sy. No. means Survey Number. Here is what each part of 176/1A/3/B/P/2 means — Hissa, Paiki, /P, guntas — and which mismatch should stop your purchase.
Saguvali Chit and PTCL land: how to check before you buy
A Saguvali Chit means the land was granted, and a sale breaking the 15-year lock is void with no time limit since 2023. How to check a title for PTCL risk.
Sale deed checklist: what to verify before you buy
We reviewed 500+ sale deeds this year. What to check in the title chain, the sellers, the loan position, UDS and TDS before you pay a token amount.
8 things that make a flat hard to resell in Bengaluru
We sold 150+ resale homes last year. Floor, facing, view, configuration and builder all shrink your future buyer pool — here is what to weigh before buying.
Property documents to check before buying a flat in Bengaluru
The documents to verify before you pay a token amount — sale deed, mother deed, encumbrance certificate, A vs B Khata, and the OC and CC for the building.