Before buying flats in Chennai, it is essential to thoroughly check the legal aspects to ensure a secure and hassle-free transaction. Ignoring these aspects can lead to legal disputes and financial losses in the future.

First and foremost, verify the title deed of the property. The title deed should be clear, indicating that the seller has undisputed ownership and the right to sell the property. Engage a legal expert to scrutinize the deed for any discrepancies or legal issues.

Check the encumbrance certificate, which provides details about any liabilities or legal dues on the property. This certificate should indicate that the property is free from any mortgages, loans, or legal disputes. It is advisable to obtain this certificate for at least the past 15 years to ensure comprehensive verification.

Ensure that the property has received all the necessary approvals from local authorities. This includes building plan approvals, environmental clearances, and adherence to zoning regulations. The layout plan should be sanctioned by the Chennai Metropolitan Development Authority (CMDA) or other relevant bodies.

The sale agreement is another critical document. It should include all the terms and conditions of the sale, such as the total cost, payment schedule, possession date, and penalty clauses for delays. Carefully read and understand all the clauses before signing the agreement.

Check for property tax receipts to ensure that the previous owner has paid all due taxes. Any outstanding property taxes can become your liability once you purchase the flat. Additionally, verify that the property has a proper occupancy certificate. This certificate, issued by the local municipal authority, indicates that the construction is complete and the property is fit for occupation.

For flats in under-construction projects, verify the RERA registration of the project. The Real Estate Regulatory Authority (RERA) ensures transparency and accountability in the real estate sector. RERA-registered projects provide more security and legal protection to buyers.

Ensure that the property complies with the local by-laws and regulations. Any deviations or illegal constructions can lead to legal complications. It's also prudent to check for any pending litigation related to the property. Legal disputes can significantly affect your ownership rights and the property's value.

Finally, if you are buying flats in Chennai through a loan, the lender will conduct their own legal checks. However, it is advisable to independently verify all the legal aspects to avoid any issues later.

In summary, verifying the title deed, encumbrance certificate, approvals, sale agreement, property tax receipts, occupancy certificate, RERA registration, compliance with by-laws, and checking for pending litigation are crucial legal aspects to ensure a secure purchase when buying flats in Chennai