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Documents required for a plot loan

There are several documents required for a plot loan, primarily those relating to the land title.

Apnaloan.com Research Bureau

23 Jun 2008

Plot loans or 'land' loans are taken to acquire a piece of land. A house can be constructed at a later date. It is very important to look into the land title before you decided to invest in a property, especially since this aspect impacts your loan eligibility. There are some documents you need to check when you invest in a property.

Some essential documents pertaining to the land:

  • Original documents pertaining to ownership of land.
  • No Encumbrance certificate for the land.
  • Layout / drawing (as approved by the town planning authority) of the location where the plot of land is located.
  • Revenue receipts and land records for the plot of land.
  • Tax receipts for taxes paid by the owner of the plot of land.

You can also buy a property and decide to construct a house on it, even if at a later date, try and get hold of the following:

  • Original sale deed of land and extract of Index II.
  • 7/12 extract or property register card in your name.
  • Copy of N.A. permission for land from the collector.
  • Search and title report (with the details of documents) for the last 30 years.
  • Copy of order under Urban Land Ceiling Act.
  • Copy of the building plans sanctioned by the competent authority.
  • Building permission granted by Corporation / Nagar Palika.
  • The latest receipts of taxes paid.
  • Estimate of cost of construction certified by the architect.

Having said that, it is pertinent to get in touch with a local lawyer specializing in property matters. This will help you check the legal status of the documents as well as the legal status of the land.