Posted on 12th May 2023
Many home buyers are new to the process and procedure involved in the purchase of a home. Among the most important processes of owning a home is to register the property under your name. It is what truly gives you ownership and legally certifies you. But what are the procedures involved in it?
Let us say that you are going buy some flats in Ambattur. You must know the registration process and, in this article, we will be discussing the procedures involved in it.
You might have chosen to purchase a beautiful house in Chennai and finalized the price for it. The next step is to register it under your name. This involves the following formalities and procedures:
Let us discuss each of the above-mentioned steps in detail to get a good understanding of the procedure.
Every property is owned previously by some person, and you are purchasing it from them. An EC gives you the history of ownership for the property and tells you whether there are any discrepancies in the ownership.
For example, there are possibilities for people to deceive ownership of the property and sell it to you. Or they might have some pending liabilities over the property which has to be settled but they deceptively sell it to you. When there are chances for such conditions to happen, how to be safe from them? This is where an EC comes into play.
The EC gives you the complete history regarding the ownership of the property. Even if the property has been mortgaged with a financial institution, it will be registered and annotated in the EC.
So, after you have finalized the property, you are going to buy, the first thing is to get a copy of the property documents and get an EC for it. You can get the EC online from this link - https://tnreginet.gov.in/portal/
From the seller, you must get the mother's documents for the property. Mother documents represent the sale deed and Patta from previous owners. Usually, they will have the original sale deeds of two to three previous owners and for the older ones, they will have a Xerox copy.
You can get a Xerox copy of all the available mother documents and go to an advocate for a legal opinion. You can also consult a registered document writer who can verify the mother's documents for you.
The advocate or the writer will verify the documents with the EC and check for any discrepancies. Once they approve the integrity of the documents, the property is safe and good for registering under your name.
A sale deed is a document that denotes your purchase from the current owner and provides legal information on the contents of the property. This deed is written on a stamp paper and it has to be purchased under your name for a particular amount which we will provide you shortly.
The sale deed consists of the declaration made by both the seller and buyer regarding the property sale. Also, it will provide the details of the property such as the size, area, what it consists of, and the net worth of the property. It will also mention the boundary details and the neighboring properties surrounding your boundary.
The stamp duty and the registration charges amount to 11% of the property’s net worth. So, you will have to purchase stamp papers accordingly. The document writer will guide you with the number of stamp papers you need to purchase.
Once you purchase the stamp papers under your name, the writer will prepare the sale deed with the above-mentioned details. Along with it, you have to provide the following documents and proofs:
As we mentioned earlier you have to pay the registration fee to the Tamil Nadu Registration Department prior to registering the property. You can either do it online or offline.
To pay registration charges online, you can visit https://www.shcilestamp.com/ and pay the necessary charges for registering your property.
You can also approach your document writer who can pay it on your behalf of you online. Once you pay the charges, you have to upload the newly written sale deed online and get a token by choosing a suitable time you can appear for registration. You must choose the taluk and the place where the property is situated to get the appropriate registration department.
Once you choose a time, you will get a receipt and you have to attach it with the sale deed before proceeding to registration.
This is the final step which marks the completion of the registration process and transfer the of ownership of the property to you.
At the stipulated time, you have to gather all the documents including the ID proofs of the buyer, seller, and the witnesses, and proceed to the registration department. As per the token number, you will be called in front of the Registrar who will verify the documents and approve the sale.
The registrar may ask some questions and can clarify details regarding the property as well as the sale. Once the registrar verifies and signs the sale deed, you are officially declared as the owner of the property.
The sale deed is then sent to the digital center of the registration department where it is scanned and uploaded. Once they have recorded the registration in their respective books, you can get the document from them.
This is the complete procedure you have to follow if you want to register a property in Chennai. Since you are registering ownership of land in the government, it involves many legal formalities. Also, you should be careful in verifying the documents provided by the seller and must clear any kind of discrepancies before proceeding with the purchase. We wish you a fruitful purchase with our guidelines.