Buying your dream home should be an empowering milestone, not a source of legal anxiety. Here is the exact 5-point due diligence checklist used by Homeluxe legal advisors for every verified property listing.
1. Active RERA Registration & Disclosures
Verify the developer’s MahaRERA or Karnataka RERA number directly on the official state portal. Cross-check sanctioned building plans, developer escrow accounts, and promised delivery completion dates.
2. 30-Year Chain of Title Deeds & Search Report
A lawyer must inspect the parent deeds dating back 30 years to ensure there are no missing inheritance transfers, unauthorized powers of attorney (PoA), or minor claims.
3. Encumbrance Certificate (EC) Form 15
EC Form 15 certifies that the property is completely free from bank mortgages, third-party liens, or court attachments.
4. Occupancy Certificate (OC) & Completion Certificate (CC)
For completed buildings, never move in without an official OC from the municipal corporation. Without an OC, the building is legally deemed unauthorized.
100% Verified Homeluxe Guarantee
Every property listed on Homeluxe undergoes rigorous 4-tier title and RERA verification by licensed real estate advocates before being made public.