Property buying guides · Delhi NCRWritten for buyers, not for lawyers

The questions thatcome up every week.

Each of these is something a client has asked us in the first five minutes of a call. Written in plain language, with the specifics you would need to act on them.

01 · 6 min

Mutation is pending. What that actually means.

Of every concern we raise on a file, this is the one buyers most often wave away, and the one most likely to cost them at resale rather than at purchase.

02 · 7 min

How MCD property mutation works, step by step

MCD's own certificate says it plainly: a change of name in the property tax record is for paying property tax, and does not make anyone the owner. Here is how the application works, and what to upload for each kind of transfer.

03 · 8 min

Mutation after an owner's death in Delhi

The first question isn't which form to fill. It's which office keeps the record for this property, whether there is a will, and whether every heir agrees. Those three answers decide the paperwork.

04 · 5 min

UPIC and your MCD property tax record

Every MCD property has one code that the tax, the name change and a buyer's checks all hang on. When it is missing, duplicated or still in someone else's name, the rest of the paperwork stalls.

05 · 6 min

Relinquishment deed or gift deed: which one your family needs

Both deeds move property inside a family without money changing hands. They are not interchangeable: one works only between people who already own the property together, and the stamp duty on the other is a percentage of its value.

06 · 6 min

Family settlements in Delhi: when the paper needs registering

Courts give honest family arrangements a lot of room. The trouble starts when the paper is written the wrong way: a document that itself divides property needs registering, and one that only records an earlier agreement does not.

07 · 6 min

Substitution of title in NDMC areas, after a lessee dies

In NDMC's paperwork, the lease and the tax record are two separate things. When a lessee dies, the lease moves to the heirs by substitution, and the documents depend on whether there is a will and whether every heir signs.

08 · 7 min

What to check in a builder floor collaboration agreement

You are buying one floor of a building on a plot somebody else owned. The document that governs how that became possible is the one nobody shows you.

09 · 6 min

Circle rate and market rate: what the gap tells you

Buyers treat circle rate as a valuation. It is not one. But the distance between it and the asking price is one of the more informative numbers in a transaction.

10 · 8 min

NRIs buying property in India: what to settle before you sign

The hard part of buying from abroad is not the regulation. It is that every person describing the property to you is being paid if you buy it.

11 · 7 min

The documents to ask for before you pay a token amount

A token amount is the moment your leverage peaks and then begins to fall. Everything below is easier to obtain before you pay it than after.

12 · 5 min

The encumbrance certificate: what it shows, and what it misses

Buyers are often told a clear EC means clear title. It does not, and the gap between those two statements is where a good deal of avoidable loss lives.

These are general explanations, not advice on your property. Procedures, rates and thresholds differ by state and municipality and change over time. Where a matter needs a formal legal opinion, a title certificate or a registered valuation, we will say so.

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