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  • Higher returns expected when you sell an independent house
  • An automatic choice for people that love to live in a self-sufficient, spacious and serene environment
  • Expansion of higher floors is possible for additional income through rent
  • Pet rearing is easier
  • More scope for gardens or any other inclusion you want to have
  • Future modification needs
  • Documents to be Verified Before Buying a Independent House
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What is Independent House?

Independent House are normally that which is located on a independent Plot and having its own boundary wall, the land on which the house is built belongs to the person who owns the house

Benefits of Owning an Independent House

Unlike the case of an apartment, there is no need to feel disturbed by your neighbors. You can live as you want, as comfortable as you feel, with your family.
Even though the price attached to buying or building an independent house is considered high, you have a more personal attachment to it than an apartment in general.
You are your own master as far as living in an independent house is concerned. There is no community or association to dictate terms.
You can remodel or redesign any part of your house in a matter you want, at any time. You can choose your own themes, decor, furnishings, accessories, and so on. You don’t need to compromise on your tastes or preferences.
With the passage of time, your family can grow and you might need to expand and renovate your house. This facility makes an independent house gain an upper hand over an apartment. You can easily arrange for separate play areas for kids, swimming pools, gym, patios, and anything else you want to include in your dream home.
You can stay in touch with nature by planting trees and raising a beautiful garden comprising flowering plants and exotic shrubs. You can enjoy living in a green environment.
In an apartment, you might have to face several difficulties to rear a pet. But it’s not the case in an independent house. You can keep as many pets as you like; no one would raise any objection.

Expansion of higher floors is possible for additional income through rent

Higher returns expected when you sell an independent house

An automatic choice for people that love to live in a self-sufficient, spacious and serene environment


Documents to be Verified Before Buying a Independent House

A Sale Deed is the core legal document that acts as proof of sale and transfer of ownership of the property from the seller to the buyer. A Sale Deed has to be mandatorily registered. It is important that before the Sale Deed is executed one should execute the sale agreement and should check for compliance of various terms and conditions as agreed upon between the buyer and the seller. Before executing the Sale Deed, the buyer should check whether the property has a clear title. He/she should also confirm if the property is subject to any encumbrance charges.
* A seller should settle all the statutory payments such as property tax, cess, water charges, society charges, electricity charges, maintenance charges etc., (subject to the agreement) before executing the Sale Deed.
Mother Deed, also known as the parent document, is an important legal document that traces the origin/antecedent ownership of the property from the start (if the property has had various owners). It is a document that helps in the further sale of the property, thereby establishing the new ownership. In case of absence of the original Mother Deed, certified copies should be obtained from the registering authorities. Mother Deed includes the change in ownership of the property, be it through sale, partition, gift or inheritance. It is very important that the Mother Deed records the references to previous ownership in a sequence and should be continuous and unbroken. In case of a missing sequence, one should refer to the records from the registering offices, revenue records or the recitals (preamble) in other documents. The sequence should be updated until the current owner.
A building plan is sanctioned by the Development Authority or The Metropolitan Society.Region Development Authority or International Airport Area Planning Authority without which the construction of the building is illegal
With a vast amount of land being agricultural in nature in India, a Conversion Certificate is mandatory to be obtained from the legal body for the property. A Conversion Certificate is issued to change the use of the land from agricultural to non-agricultural purpose from the competent revenue authority. Further, the competent revenue authority requests the Department of Town and Country Planning to issue an NOC for the conversion of land for residential purpose. There are a certain set of documents to be submitted by the owner to acquire a Conversion Certificate.
The documents required to obtain a Conversion Certificate are; 3 copies of the R.T.C extracts, Village map, land sketch, certified copy of the land tribunal, zonal certificate, Title deed, no dues certificate by village accountant and Mutation Records (MR) copy.
Khata is derived from the word ‘account’. It is an account of a person owning a property. It typically consists of (a) Khata Certificate and (b) Khata Extract. A Khata Certificate is mandatorily required for the registration of a new property and the transfer of a property. Khata Extract is nothing but obtaining the property details from the assessment registrar. It is needed while property buying and acquiring trade license. The Khata is widely referred to as A Khata and B Khata (Revenue records extract). ‘A’ Khata has properties listed under BBMP jurisdiction with legal property construction and ‘B’ Khata has properties under local jurisdiction with violated property constructions. One should avoid buying a B Khata property as it will be deemed as an illegal construction. Nevertheless B Khata may be converted to A Khata under certain schemes by paying penalty to the Government.
Encumbrance means charges in the ownership or liabilities created on a property that is held against a home loan as security. An EC consists of all the registered transactions done on the property during the period for which the EC is sought. Simply put, it is a certificate sought for a particular period evidencing the property purchase/sale, the presence of any transaction or mortgage. One should submit a copy of the Sale Deed to obtain an EC. A person applying for an EC should fill in the Form 22, affix a non-judicial stamp and submit it to the jurisdictional sub-registrar’s office. Complete residential address, property survey number, property location, the sought period, property description, its measurements and boundaries should be mentioned in the Form. A nominal fee amount will be charged on a yearly basis. The time taken to obtain an EC will be between 3-7 working days or more depending on the period sought.
This specific document is for Gram Panchayat properties and provides the details of previous ownership. Though not required in original, this is mandatory to produce if the property you are buying is in Gram Panchayat jurisdiction.
Betterment charges are also known as improvement fees/development charges that are to be paid to the BBMP before a Khata can be issued. Currently the developers are entitled to pay a fixed amount as betterment charges to the municipal body. A receipt of the same should be obtained at the time of property buying.
Receipts for property tax bills ensure that taxes for the property are paid up-to-date to the government/municipality. For properties falling under the BBMP jurisdiction, it is mandatory for property taxes to be paid up to date so a buyer could get a Khata issued in his name. It is therefore important for the buyer to make enquiries with the government/municipal authorities to ensure that all the dues are cleared by the seller. The buyer should ask the seller for the latest original tax paid receipts and bills and check the details of the owner’s name, the tax payer’s name, and the date of payment on the receipt. If the owner does not have the tax receipt, the buyer can contact the municipal body along with the survey number of the property to confirm the ownership of the land. Nevertheless, the buyer should also ensure that other bills such as the water bill, electricity bill etc. are paid up-to-date.

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