Buying a flat in Pune is an exciting milestone—but paying the token amount without due diligence can turn costly. With Pune’s fast-growing real estate market, buyers must look beyond location and price. From legal approvals and builder credibility to hidden charges and possession timelines, small oversights can lead to big regrets. Before you commit financially, it’s crucial to verify key details. Before buying flat essential things you should check before paying a token amount for your dream home in Pune.
15 Things to Check Before You Pay a Token Amount
Title & Sale Deed
Always verify that the seller has a clear and legal title to the property. The Title & sales deed helps trace the ownership history and ensures the property has changed hands legally over time. Any gap or dispute in ownership can lead to serious legal issues later.
RERA Registration
Check whether the project is registered under Real Estate Regulatory Authority (RERA) and verify the registration number on the official website. RERA protects buyers by ensuring transparency in timelines, project details, and construction status. An unregistered project is a major red flag.
Building Plan Approval
Ensure the building is constructed as per plans approved by the local planning authority. Unauthorized deviations can result in penalties or even demolition orders. Approved plans also impact loan eligibility and resale value.
Completion Certificate (CC)
The Completion Certificate confirms that the building complies with approved plans and local building regulations. Without a CC, the construction is considered incomplete in the eyes of the law. Banks may refuse home loans if this document is missing.
Occupancy Certificate (OC)
An Occupancy Certificate certifies that the building is safe and fit for residents to occupy. Living in a flat without an OC can attract legal trouble and denial of essential services. Always insist on this document before possession.
Khata Certificate / Property Card
This document proves that the property is registered with the municipal authority for tax purposes. It is required for property tax payments, resale, and home loan approvals. Absence of a valid Khata can create long-term ownership issues.
No Objection Certificates (NOCs)
NOCs ensure that various authorities have approved the project and raised no objections. These may include approvals from banks, fire department, water supply, electricity board, and housing society. Missing NOCs can delay possession or utility connections.
Encumbrance Certificate
An Encumbrance Certificate confirms that the property is free from loans, legal disputes, or monetary claims. It helps buyers ensure there are no hidden liabilities attached to the flat. This document is especially important for resale properties.
Property Tax Receipts
Always check that all property taxes are paid up to date. Outstanding dues can legally transfer to the new owner after purchase. Ask for the latest receipts to avoid unexpected financial burdens.
Builder’s Reputation
Research the builder’s past projects, delivery timelines, and customer feedback. A reliable builder is more likely to deliver quality construction and honor commitments. Avoid developers with frequent delays or unresolved legal disputes.
Construction Quality
Inspect the quality of materials used, structural strength, ventilation, and finishing. Poor construction can lead to long-term maintenance issues and safety risks. If possible, get a professional inspection done before committing.
Floor Plan & Carpet Area
Verify the actual carpet area mentioned in the agreement, not just the super built-up area. Check room sizes, layout efficiency, and the number of units per floor for privacy and lift usage. What you see on paper should match the site reality.
Location & Connectivity
Evaluate the flat’s proximity to workplaces, schools, hospitals, markets, and public transport. Good connectivity improves daily convenience and future resale value. Also check upcoming infrastructure and development plans in the area.
Amenities & Parking
Confirm that promised amenities such as parking, security, gym, open spaces, and lifts are clearly mentioned in writing. Ensure parking allocation is defined and not on a first-come basis. Verbal promises should never be trusted.
Total Cost & Ongoing Charges
Understand the complete cost including base price, stamp duty, registration, GST, and other hidden charges. Also factor in monthly maintenance and service charges. Knowing the true financial commitment helps avoid budget surprises later.
Check Things Before Buying a Flat in Pune Make a Smart and Confident Decision
Buying a flat in Pune is a major financial decision, and paying the token amount should never be rushed. A careful review of legal documents, builder credibility, construction quality, and total costs can save you from future stress and losses. Taking time to verify these 15 essential points ensures peace of mind and protects your investment. Remember, a well-informed decision today lays the foundation for a secure and happy home tomorrow.
Ready to take the next step in buying flats in Pune? With Symphony Realtors, you get expert guidance, verified properties, and end-to-end support that makes your home-buying journey smooth and stress-free. From shortlisting the right flat to closing the deal with confidence, their local expertise works in your favor. Start buying flats in Pune with clarity and trust, reach out to Symphony Realtors today and take the first step toward your ideal home.
