Buying a flat in Uttar Pradesh involves several legal and financial processes, each requiring specific documents. Having all the necessary paperwork ready in advance can make the entire process faster and stress-free. This comprehensive guide lists all the documents you need as a buyer when purchasing a flat at Narayan Heights, Naini, Prayagraj.
Documents Required from the Buyer
Identity Proof (Any One)
- Aadhaar Card
- PAN Card
- Passport
- Voter ID Card
- Driving Licence
Address Proof (Any One)
- Aadhaar Card
- Voter ID Card
- Passport
- Utility Bills (electricity/water/gas – not older than 3 months)
- Bank Passbook with address
Income and Financial Documents
- Last 3 years Income Tax Returns (ITR) with computation sheets
- Last 6 months bank statements
- Latest salary slips (last 3 months for salaried employees)
- Form 16 (for salaried employees)
- Business proof and P&L statements (for self-employed buyers)
- PAN Card (mandatory for any transaction above Rs 50,000)
Property-Related Documents from Buyer
- Booking amount receipt / token money receipt
- Builder-Buyer Agreement (signed copy)
- Allotment letter issued by the builder
- Payment receipts for all amounts paid to the builder
- NOC from existing bank if you already have a home loan
Documents Required from the Builder/Developer
Before finalising the purchase, verify the following documents from the builder:
Legal and Regulatory Documents
- RERA Registration Certificate and RERA Number (verify on UP-RERA website)
- Land ownership document or lease deed
- Land use certificate from Prayagraj Development Authority (PDA)
- Building plan approval from PDA
- No Objection Certificates (NOCs) from fire department, electricity board, water authority
- Environmental clearance certificate (for projects above 20,000 sq m)
- Commencement Certificate
- Completion Certificate (for ready possession flats)
- Occupancy Certificate (for ready possession flats)
Financial Documents from Builder
- Project RERA registration showing 70% escrow account compliance
- Encumbrance certificate proving the land is free of loans/mortgages
- Tax receipts showing builder has paid all land and property taxes
Documents for Home Loan Application
If you are availing a home loan to buy the flat, the bank will require:
- Filled home loan application form
- Passport-size photographs
- Identity proof and address proof (same as above)
- Income documents (salary slips, ITR, bank statements)
- Allotment letter / Builder-Buyer Agreement
- Property documents (title deed, approved plan, NOCs)
- Processing fee cheque
- Existing loan statements (if any EMI is ongoing)
Documents Required for Property Registration
At the time of registering the Sale Deed at the Sub-Registrar’s office in Prayagraj, you will need:
- Aadhaar Card and PAN Card (both buyer and seller/builder)
- Original Sale Deed (prepared by a lawyer)
- Original title documents of the property
- Encumbrance Certificate
- No Dues Certificate from builder
- Property tax receipts
- Two witnesses with their ID proofs
- Demand Draft for stamp duty and registration fees
- Passport-size photographs of buyer and seller
Tips for Document Management
- Make multiple photocopies of all original documents and keep them in a safe place
- Store digital copies of all important documents in a secure cloud storage or email
- Keep all payment receipts safely – they will be required for registration and tax purposes
- Consult a property lawyer to verify all builder documents before signing the agreement
How Narayan Infraheight Helps You
At Narayan Infraheight Pvt Ltd, our team guides buyers through every step of the documentation process. We provide all necessary builder documents upfront, have a dedicated team to assist with home loan applications, and ensure a completely transparent and hassle-free purchase experience at Narayan Heights, Naini, Prayagraj. Contact us today to get started.
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