Resale Ghar ya Flat Kharidne Se Pehle Kya Check Karein? Complete Buyer Checklist
By SachaGhar Team ·
Naya project lene ke bajay bahut log resale property (yani pehle se bana hua, kisi aur ka ghar ya flat) pasand karte hain. Iske fayde saaf hain: ghar ready hota hai, aap use apni aankhon se dekh sakte hain, area pehle se basa hua hota hai aur construction delay ka dar nahi rehta. Lekin resale mein risk bhi alag tarah ke hote hain, kyunki property ki ek history hoti hai: pichle owners, loan, society ke dues, aur kabhi kabhi family ke jhagde.
Is guide mein hum ek practical checklist de rahe hain jo aapko resale ghar, flat ya villa kharidne se pehle follow karni chahiye. Agar aap plot dekh rahe hain to hamari plot documents checklist bhi padhein.
1. Seller ka ownership aur title check karein
Sabse pehla sawaal: kya bechne wala sach mein is property ka poora malik hai?
- Seller se current sale deed / registry ki copy maangein aur dekhein ki naam unka hi hai.
- Agar property joint owners ke naam par hai, to sabhi owners ki sahmati aur sign zaroori honge.
- Agar property viraasat (inheritance) se mili hai, to succession ya will se jude documents dekhein aur confirm karein ki baaki legal heirs ka koi claim nahi hai.
- Mutation / namantaran records mein bhi seller ka naam hona chahiye. Iske baare mein detail hamari mutation guide mein hai.
2. Pichle documents ki poori chain (chain of title)
Resale mein sirf aakhri registry kaafi nahi hoti. Koshish karein ki pichle kuch transactions ki chain of documents dekh sakein, taaki pata chale property kab, kisse aur kaise transfer hui. Beech mein koi kadi missing ho to kisi property lawyer se clarity lein. Kitne saal ke records dekhne chahiye, iska koi ek fixed rule sab jagah nahi hai, isliye apne lawyer ki salah follow karein.
3. Loan ya mortgage to nahi chal raha?
Bahut se ghar home loan par liye gaye hote hain. Agar seller ka loan abhi chal raha hai:
- Bank se outstanding loan statement aur original documents kahan rakhe hain, ye confirm karein.
- Deal aisi banayein ki loan close ho aur bank se NOC aur original papers wapas milein, tabhi aapke naam registry ho.
- Aap bhi loan le rahe hain to aksar aapka bank hi seller ka loan close karne ka process handle kar deta hai. Steps samajhne ke liye home loan step-by-step guide dekhein.
Apne state ke sub-registrar office ya official portal par encumbrance (property par koi charge ya loan) ki jaankari bhi check karwa sakte hain. Ye process har state mein alag hota hai, isliye official source se confirm karein.
4. Approved map aur actual construction match karta hai?
- Building ka sanctioned / approved map maangein.
- Dekhein ki actual construction map ke mutabik hai. Extra floor, cover kiya hua balcony ya chhat par bana kamra kabhi kabhi bina approval ke hota hai, jo aage chal kar problem ban sakta hai.
- Flat ke case mein builder ka completion ya occupancy certificate hai ya nahi, ye bhi poochein (local authority ke rules ke hisaab se naam alag ho sakta hai).
- Agar project RERA ke under register tha, to uski details bhi dekh sakte hain. RERA ke basics hamari RERA guide mein hain.
5. Society NOC aur maintenance dues
Apartment ya gated society villa mein:
- Society / RWA se NOC for transfer lene ka process poochein.
- Confirm karein ki koi maintenance dues pending nahi hain. Written mein "no dues" lena behtar hai.
- Society ke rules (parking allotment, pet policy, transfer charges agar koi hain) pehle se samajh lein.
6. Bijli, paani, property tax ke bills
Pichle kuch mahino ke bijli bill, paani bill aur property tax / house tax receipts maangein. Isse do cheezein pata chalti hain: koi purana bakaya to nahi hai, aur connection seller ke naam par hai ya nahi. Registry ke baad ye connections aapke naam transfer karwane honge.
7. Ghar ki physical condition khud check karein
Resale ka sabse bada fayda hai ki aap ghar dekh sakte hain, to iska poora use karein:
- Seelan (dampness): diwaron aur chhat par daag, khaas kar bathroom aur kitchen ke paas.
- Plumbing: nal chala kar pressure dekhein, drainage slow to nahi.
- Wiring: switch board, MCB, earthing ki halat. Purani wiring badalne ka kharcha budget mein jodein.
- Cracks: beams aur columns par gehre cracks ho to structural engineer ko dikhayein.
- Dhoop aur hawa: din ke alag time par visit karein.
- Paani ki supply: padosiyon se poochein ki supply kitne ghante aati hai.
Ho sake to ek baar kisi experienced civil engineer ya contractor ko saath le jaayein.
8. Area aur padosiyon se baat
Property jitni achhi ho, area utna hi important hai. School, hospital, market, public transport aur office tak ka distance khud check karein. Padosiyon se baat karke area ki asli halat, paani-bijli aur safety ke baare mein seedhi jaankari milti hai. Jaipur mein dekh rahe hain to Jaipur properties aur areas jaise Mansarovar, Vaishali Nagar, Jagatpura aur Malviya Nagar ke pages dekh sakte hain.
9. Sahi price aur negotiation
Resale price ka koi fixed formula nahi hota. Sahi andaza lagane ke liye:
- Usi society ya colony mein milti-julti properties ke asking price compare karein.
- Building ki umar, floor, facing, parking aur renovation ki zaroorat dhyan mein rakhein.
- Repair ka jo kharcha dikha hai, use negotiation mein point ki tarah use karein.
- Stamp duty, registration fees, lawyer fees aur shifting ka kharcha alag se budget mein rakhein. Ye rates state ke hisaab se badalte hain, isliye apne state ke official registration department se current rate confirm karein.
10. Token, agreement aur registry
- Token amount dene se pehle saari baatein written agreement mein likhwayein: total price, payment schedule, possession date, kaun se fittings saath rahenge, aur deal cancel hone par kya hoga.
- Bada payment cash ke bajay bank transfer / cheque se karein taaki record rahe.
- Registry ka process samajhne ke liye hamari registry aur sale deed guide padhein.
- Registry ke baad mutation, bijli-paani connection aur society records mein apna naam update karwana na bhoolein.
SachaGhar par resale property kaise dhoondhein?
SachaGhar par aap ghar, flat, villa, plot aur shop seedhe owners aur verified partners se dhoondh sakte hain. Listing par photos, video aur location dekh kar shortlist karein, phir visit plan karein. Agar aap bechna chahte hain to hamari property jaldi bechne ki tips kaam aayengi. Broker ya dealer hain to SachaGhar Partner ban kar apni listings zyada buyers tak pahuncha sakte hain.
FAQ
Q1. Resale property naye project se better hai ya nahi? Dono ke apne fayde hain. Resale mein ghar ready aur area basa hua milta hai, naye project mein naya construction aur modern features. Apni zaroorat, budget aur timeline ke hisaab se chunein.
Q2. Kya resale ghar par home loan milta hai? Aam taur par haan, banks resale property par bhi loan dete hain, lekin wo documents aur property ki legal/technical verification karte hain. Exact rules apne bank se confirm karein.
Q3. Kya lawyer se document verification zaroori hai? Kanoon ki taraf se zaroori ho ya na ho, resale mein title aur pichle documents ki jaanch ek experienced property lawyer se karwana samajhdaari hai, kyunki galti ka nuksaan bahut bada ho sakta hai.
Q4. Society maintenance ke purane dues kaun bharega? Ye seller aur buyer ke beech agreement par depend karta hai. Isliye "no dues" certificate lein aur agreement mein saaf likhwayein.
Q5. Registry ke baad sabse pehle kya karein? Mutation / namantaran, bijli-paani connections aur property tax records apne naam karwayein, aur saare original documents surakshit rakhein.
Ye article general jaankari ke liye hai, legal ya financial advice nahi. Rules aur charges state ke hisaab se alag hote hain, isliye final decision se pehle official source aur kisi qualified expert se confirm karein. — SachaGhar Team