Expert advice for property buyers
A plot loan pays for a house site, not a house. Who offers them, how much banks lend, the deadline to build, why a bare plot gets no home loan tax deduction, and what to check first.
NRIs and OCI cardholders can buy residential and commercial property in India, but not agricultural land, plantations or farm houses. Here is how payment, inheritance, repatriation and TDS work.
Register a sale deed in Tamil Nadu: prepare it on tnreginet.gov.in, pay 7% stamp duty and 2% fee online, book a token, and know what happens at the Sub-Registrar office.
What an FMB sketch is, how to download it free from Tamil Nadu's e-services portal, and how buyers use it to match the land on the ground with the survey map.
How to view patta, chitta and the A-register on Tamil Nadu's e-services portal, check that an extract is genuine, and what to look for before you buy land.
View an encumbrance certificate free on tnreginet.gov.in, or apply for a signed EC with a QR code. Details you need, search period, reading entries and missing sales.
How to check online that a plot or layout in Tamil Nadu is DTCP or CMDA approved, which papers to ask the seller for, and what to do if it is not.
Who can buy farm land in each state, the documents to check, what it costs and how to register it, in plain English.
A step-by-step legal checklist for buying agricultural land in Namakkal: land records, the EC, who can buy, acquisition notices, stamp duty, TDS and getting the patta in your name.
