Top 8 Documents for Home Shopping

March 9, 2023

Buying a home is more than a dream for most individuals. Looking for a house and buying a house are two very different things. A person devotes a considerable portion of their life working towards purchasing a home. Necessary documents for home shopping include mortgage pre-approval, property disclosures, home inspection reports, title search, and purchase agreement. The documentation required depends on the type of property you intend to purchase. Ownership Proof Documents provide evidence that an individual or entity has legal rights to possess and control a particular asset, property, or item. Here’s a brief guide on legal documents needed for home buying.

Top Documents for Home Shopping.

1. The Sale Deed

Sale deed transfers property ownership and rights from seller to buyer. It’s signed after both parties agree on sale terms and conditions. Without it, the sale/purchase isn’t legally finalized. It’s critical when selling the property later on.

2. The Sale and Purchase Agreement

A sales and purchase agreement (SPA) is a legally binding contract between two parties that binds a buyer and seller to a transaction. SPAs are commonly used in real estate transactions, but they can also be found in other fields of business. The agreement finalizes the sale’s terms and conditions, and it is the result of negotiations between the buyer and seller. Documents such as receipts, invoices, and product manuals are essential for home shopping transactions.

A SPA protects both the buyer and seller in the exchange of goods. Even though it’s not mandatory, it’s advisable to have a Sales and Purchase Agreement (SPA) to outline the terms and conditions of the transaction before purchasing a property. Without a legal document, you may have no legal recourse in case of a failed transaction. Protect yourself by having a contract in place.

3. Registered under the Real Estate Regulations Act  (RERA)

The RERA mandates that developers should register their projects with the authority constituted under the Act. It’s highly recommended that buyers planning to purchase property in a project verify if it’s registered with the RERA authority. Each state’s official RERA web portal publishes information on cases, complaints, and defaults by the project’s developer. This information is crucial in making informed decisions as it provides insight into the developer’s credibility and the project’s status. Don’t forget to check the RERA portal before investing in a project.

4. The Possession Letter

The possession letter is a crucial document issued by the developer to the buyer, indicating the date when the property will be available for possession. This letter is provided after the designated authority issues the completion certificate to the developer. Don’t forget to obtain this important document from the developer before taking possession of your property.

As a result, a possession letter serves as written evidence that the builder has promised to provide the customer possession of the unit by the date specified in the letter. This letter, however, is not proof of ownership of the property. The home buyer must obtain an Occupancy Certificate for this purpose.

5. The Completion Certificate

Completion Certificate confirms building compliance with authority requirements and is necessary for water, power, and drainage services. It’s risky for first-time buyers to purchase without it, as the building may be illegal and result in fines or eviction. If the builder fails to obtain it, the buyer can request it from the municipal corporation.

6. The Allotment letter

If you want to book a property that is presently under development, you must have an Allotment Letter. It contains all of the information on the payment of the flat as well as any other costs that you may have to pay for any additional facilities. This letter essential when applying for a bank loan since it specifies the amount that the buyer must pay.

7. Encumbrance certificate 

This document contains all of the details of the property’s transactions. When applying for a loan, it’s important to obtain an encumbrance certificate (EC) to confirm that the property is debt-free and no loan payments are due. To get an EC, you need to submit the sale deed in duplicate and fill out a form to be submitted to the Sub-Registrar office. Make sure to have important documents like receipts and manuals when shopping for home items.

8. Non-objection certificate

Wherever necessary, no objection certifications should be obtained. 


When buying a property, ensure you have all necessary documents including mortgage pre-approval, property disclosures, home inspection reports, title search, and purchase agreement. If any of these documents are missing or the seller can’t provide them, it’s advisable not to purchase the property as it may cause issues when selling it in the future. Keep this guide handy for reference during your home buying journey.

We at, have you covered if you need to find to Buy/Sell/Rent a property or a project of your dreams.

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