The Closing Checklist

Seven stops between your loan sanction and the first night in your new home. Tick them off in this order and nothing slips through.

Round ink stamp showing a house and a key
  1. 1. Loan Sanction Final sanction letter and disbursement schedule in hand.
  2. 2. Sale Deed Draft vetted; names and areas match every paper.
  3. 3. Stamp Duty Paid to the state in the buyer’s name before signing.
  4. 4. Registration Deed signed and recorded at the sub-registrar office.
  5. 5. Mutation Municipal records updated to show you as the owner.
  6. 6. Handover Flat inspected, possession letter and keys received.
  7. 7. Move-in Utilities transferred, locks changed, boxes unpacked.

Documents You Must Verify

An open folder with property papers sticking out
  • Title deed Traces clean ownership back through every earlier sale.
  • Encumbrance certificate Shows the property is free of loans, liens and claims.
  • Khata Confirms the property is assessed in municipal records.
  • NOC Clearances from the society, bank or authority, as applicable.
  • Property tax receipts Up-to-date payments, with no dues left for you to inherit.
  • Approved plan The sanctioned layout matches what was actually built.

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Costs at the Finish Line

Budget for these line items on top of the agreed price. Rates differ from state to state and change over time, so confirm the current figures with your sub-registrar or lawyer.

Stamp duty

A state tax on the sale deed, charged as a share of the property value.

Before registration

Registration fee

Paid to the sub-registrar to record the deed in government records.

On registration day

Mutation charges

Municipal fee to move the property tax account into your name.

After registration

Society deposit

Transfer fee and maintenance deposit collected by the housing society.

Before possession

Moving costs

Packers, transport, deep cleaning and new locks for the first week.

Moving week

First 48 Hours After Keys

The transaction is over, but the work is not.

Transfer the utilities, introduce yourself at the society office and change the main locks within the first two days — ideally before the boxes are even unpacked.

  1. Step 1. Change every main door lock before the first night.
  2. Step 2. Move electricity and water bills into your name.
  3. Step 3. Register with the society office and collect the access cards.
  4. Step 4. Photograph all meter readings on day one.