Essential Documents You Need to Buy a Flat in Mumbai, Navi Mumbai & Thane – A Simplified Buyer Guide
Buying a flat is a big step — emotionally and financially. Whether you’re investing in Mumbai, Navi Mumbai, or Thane, having the correct documents ready is not just a formality, it’s your first step to secure and successful ownership. This article is a practical, no-jargon guide for every homebuyer to understand the documents required to buy flat in Maharashtra’s top real estate markets.
Why Documentation Matters in Real Estate
Before you sign the dotted line or pay the booking token, it’s crucial to verify and collect every essential paper. Proper paperwork ensures transparency, protects your rights as a buyer, and prevents future legal complications. In regulated zones like Mumbai, Navi Mumbai, and Thane, authorities and banks strictly scrutinize the documents required to buy flat — so you must be one step ahead.
Buyer-Side Documents Required to Buy Flat
These are the documents you as a buyer need to prepare before or during the flat booking and home loan application process:
1. PAN Card (Permanent Account Number)
- Mandatory for all property transactions above ₹10 lakhs.
- Used for KYC and tax purposes.
- Must be valid and updated with correct details.
2. Aadhaar Card / Government Issued ID Proof
- Serves as identity and address proof.
- Required for bank documentation, builder agreement, and registration.
3. Passport-Sized Photographs
- Typically 2–3 copies needed during agreement signing and KYC.
4. Address Proof (if different from Aadhaar)
- Passport, Voter ID, utility bills, or rent agreement can be submitted.
5. Income Proof
- Latest 3–6 months salary slips (for salaried individuals).
- ITR (Income Tax Returns) for last 2–3 years (for self-employed).
- Profit & Loss statement and balance sheet (for business owners).
6. Bank Statements (6–12 months)
- Reflects financial health and repayment capacity.
- Required by home loan providers.
7. Home Loan Sanction Letter (if pre-approved)
- Not mandatory, but strongly recommended to speed up the booking process.
Tip: Keep digital and printed copies of all documents required to buy flat handy when visiting project sites or applying for a loan.
Property-Side Documents Required to Buy Flat
These are documents that you must receive or check from the builder or seller:
1. RERA Registration Certificate
- Confirms that the project is legally registered under MahaRERA.
- Verify on the official MahaRERA website.
2. Title Deed / Ownership Documents
- Shows the legal ownership of the land on which the property is being built.
- Must be free of disputes or encumbrances.
3. Commencement Certificate (CC)
- Issued by the local municipal body for legal construction commencement.
- Essential for under-construction projects.
4. Intimation of Disapproval (IOD)
- A set of permissions required before starting construction.
5. Approved Building Plan and Layout
- The project plan must be approved by the planning authority.
- Helps avoid illegal or unauthorized construction.
6. Allotment Letter (Post Booking)
- Confirms the flat number, floor, wing, and agreed price.
- Includes the payment schedule.
7. Agreement to Sale
- Legal contract between buyer and builder.
- Must be registered with the local sub-registrar office.
8. Possession Letter (Upon Handover)
- Given at the time of flat handover.
- Required for utility and society registration.
Documents Required to Buy Flat – For Registration Process
When you finalize the booking, and reach the registration stage (usually after 10–20% payment), these documents are essential:
- Buyer’s PAN and Aadhaar card copies
- Two passport-size photos
- Builder’s RERA certificate copy
- Registered agreement draft (usually provided by builder or lawyer)
- Stamp duty and registration fee challan/receipt
Note: Stamp duty and registration charges in Maharashtra are generally 5–6% of the property value.
Special Cases – Additional Documents Required to Buy Flat
For NRI Buyers:
- Passport and visa copies
- OCI/PIO card
- Power of Attorney (PoA)
- NRE/NRO account details
For Joint Ownership:
- PAN and Aadhaar of both parties
- Income proof of both parties (if applying for joint loan)
If Buying in Resale:
- Sale Deed of previous owner
- No Objection Certificate (NOC) from society
- Latest electricity/water/property tax bill
- Mutation certificate (for title update)
Checklist: Quick Recap of Documents Required to Buy Flat
| Purpose | Documents |
| Buyer Identity | PAN Card, Aadhaar, Passport-size photos |
| Financials | Salary Slips, Bank Statements, ITR, Loan Sanction |
| Property Legal | RERA Cert, Title Deed, CC, IOD, Plan Approval |
| Booking | Allotment Letter, Agreement to Sale |
| Registration | Stamp Duty Receipt, Buyer ID Proofs |
| Resale or NRI | Sale Deed, PoA, OCI, NOC, Society Docs |
FAQs – Documents Required to Buy Flat
Q1: Is PAN card mandatory for flat purchase in Mumbai or Navi Mumbai?
Yes, PAN is compulsory for any real estate transaction over ₹10 lakhs.
Q2: How to verify if a project is RERA registered?
You can visit https://maharera.mahaonline.gov.in and search by project or builder name.
Q3: Do I need income proof even if I’m not taking a home loan?
It’s not mandatory, but some developers may still ask to ensure your financial credibility.
Q4: What if the builder doesn’t give the possession letter?
You should not take possession without it. It’s required for utility connections and society membership.
Q5: How early should I start preparing documents required to buy flat?
As soon as you begin house hunting. It helps in faster booking and loan approvals.
Final Thoughts
Understanding the documents required to buy flat is one of the most important steps before making a financial commitment. Whether you’re eyeing a luxury flat in Thane, an affordable 1 BHK in Taloja, or a 2 BHK in Kharghar, paperwork is your safety net.
Be prepared, be alert, and always double-check every document before signing or paying. With this guide, you now have a clear path to handle the documentation process smartly — making your dream home a reality with confidence and clarity.
If you’re still unsure or want assistance in verifying property documents, reach out to Houzing Network. We’re here to help you every step of the way!
Houzing Network’s Role
At Houzing Network Partners Pvt. Ltd. and Houzing Partners Pvt. Ltd., part of RealTech Simplify Solutions Pvt. Ltd., we go beyond traditional real estate consulting—we’re your trusted partners on your property journey. Specializing in luxury homes, villas, and prime plots across Mumbai, Navi Mumbai, Thane, Panvel, and Pune, we help you make informed property decisions that maximize your investments.
Our expert team understands your unique needs and provides tailored advice with transparency and trust. Whether you’re looking for a luxury home with breathtaking views, a private villa, or a prime plot for future growth, we are here to turn your real estate aspirations into reality.
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