NRIs in the UAE looking to verify property titles in India should follow these steps to ensure a smooth and legally sound process:
Hire a Real Estate Attorney in India: Engage a real estate attorney in India to handle the verification process. A local lawyer will have the expertise to scrutinize all necessary documents and ensure compliance with Indian laws.
Obtain a Title Deed: This legal document is crucial as it establishes the ownership of the property. Ensure that the title deed is clear and unencumbered.
Check the Encumbrance Certificate: This certificate verifies that the property is free from any legal dues or mortgages. It is advisable to obtain an encumbrance certificate for the past 15 years to confirm there are no outstanding liabilities.
Verify Mutation Records: These records reflect any changes or transfers in property ownership. Ensuring these records are updated helps confirm the current ownership details and prevents future disputes.
Review the Chain of Title: This involves examining the complete historical record of ownership transfers and transactions related to the property. A clear and unbroken chain of title is essential for a legally valid transfer of property.
Obtain Property Tax Receipts: Ensuring that all property taxes have been paid and there are no pending dues is critical.
Power of Attorney: Due to the geographical distance, NRIs should provide a trusted individual in India with a power of attorney to act on their behalf for property transactions and verifications.