1. The documents of relevance are lying with your seller. 

2. So check all the chain deeds, mutation certificate and loan related papers from your seller.  Since papers differ with each sale its wise to engage an advocate to carry out due diligence. 

3. So meet an advocate with an advocate as without seeing the papers no clear title on the property can be advised. 

1. Bank will take the original sale deed.

2. You can take a Xerox copies of sale deed and Encumbrance Certificate.

3.  Post loan closure, bank will execute a registered Discharge Deed in your favour and return the original property documents, including the sale deed, Katha, etc.

Registration receipt from sub registrar office 

2) index 11 of the flat 

3) original sale deed would be kept in bank custody 

4) on repayment of loan bank would hand over original documents of title 

1. AFTER registration of Sale Deed, the Bank will retain custody of Sale Deed till entire loan is repaid back to them.  Hence you have to apply for "Certified Copy" of Sale Deed, in the same SRO where the original Sale Deed was registered.  This certified copy MUST be safely stored by you and can also be used for other futuristic legal purposes.

2. Also keep entire set of Bank Loan documents for Income Tax purposes.

1. Registered deed, Registration Receipt, Copy of Index. 

2. Bank will keep registered sale deed.

3. After the closure of the loan the bank shall issue NOC in your favour, and if the property is mortgaged then you will sign a release deed with the bank. 

The sub registrar give you a registered copy with the original. The said documents you need to keep if with you. Post loan closure bank returns you documents kept in their possession along the noc /loan clearance certificate. 

You need to collect the registered sale deed and that will be kept with bank untill the loan is fully paid

Dear Pranab,

Before giving DD to  seller, the bank would take the previous  original documents from him.  On registrations of sale deed, sub registrar would issue the receipt, that too, would  be taken by the  bank after taking your signature on the back side of the receipt.  However,  you can take the photo copies of the original from the seller before handling over the original to the bank.   You may keep a copy of  sale deed before  registration and can get a certified copy of the sale deed after registration on making prescribed fee.  You may also obtain a  receipt for the documents retained by the  bank either original or copy and also obtain a  copy of sanction letter where terms and conditions of the housing loan is mentioned. 

- Since, you have taken loan from the bank, then no need of worry about the documents of the property which you are going to purchased , as bank never issue loan if there is discrepancies in the property documents.

- However , you can collect the last chains of the documents from the seller , and further , the a certified copy of the registered sale deed & Index from the office of the registrar , as the original sale deed will be kept by the bank . 

- Further , when you will refund the loan amount to the bank , then you will get the original sale deed including all other documents from the bank. 

Sub registrar will not provide you anything. Sale deed will execute and register. Original deed will deliver to you and copy will kept by registrar. 

Since it in on loan, original will kept by bank, you should keep the copy or certified copy of sale deed. Take receipt from bank, what all documents kept with it. Once loan cleared and NOC from bank, originals will delivered to you.

You will be properly guided by the builder/seller about what documents that are needed to be furnished before the registrar for the purpose of registration of the property to your name.

The bank manager will instruct you to submit the documents to be deposited with them  which would a list of documents to be submitted to the bank.

You will get back all the documents submitted now to the bank for the purpose of loan once you have discharged the loan in full along with a certificate 'no due certificate' .

You need not be worried about this, your needs and other legal formalities will be taken case by the builder as well as the bank manager as per law.

Dear Sir/Madam,

It is suggested that  the original sale deed/conveyance deed will be kept by the bank and the certified copy of the same can be retained by you. After, loan is closed, you are required to get NOC from bank and then submit the same to the registrar's office and also obtain the original sale deed from the bank. Also get the mutation done on you name as per the law. 

You're to collect from Registrar office only Registered Deed. Thereafter your attorney will file a case for Mutation. 

After a gap of time, you'll be mutated. If property belongs to Municipal Corporation, this will also be assessed by Municipal Corporation.

Generally the deed of sale is necessary alongwithoc from the competent authority.

1. You just need to collect registered sales deed from office of sub registrar.

2. That sales deed will be deposited with bank against the home loan.

3. Post loan closure you will get No dues certificate from bank along with original papers of your home. 

A registered agreement should be made. The original papers shall be kept by the bank. You will only have a copy till the payment of the loan.

Keep the emi receipts.

You need to collect franked receipts of payments of stamp duty and registration along with your original agreement from office of the sub- registrar.

Bank would keep your Original Agreement and issue letter of receipt of Original agreement. 

You have to keep letter of bank acknowledgement showing your original agreement is with the Bank.

Post loan foreclosure, you need to write Bank for initiation of closure of your loan account. 

After closure of loan account you insist for NO DUES CERTIFICATE FROM THE BANK.

Take Registration receipt from SRO. 

You can also take certified copies of sale deed. 

the property sale deed with the bank until the loan is repaid. 

1. As per the information mentioned in the present query, makes it clear that you must carry all the documents before the SDM for getting the permission and what you need to have from the SDM office when you get the permission.
2. I would like to apprise you that you should have the property paper, a layout by the architect, and electrify and water connection bills at the time of applying for the permission.
3. Once the permission is granted then you will be having a certificate to construct so keep that for future purpose.
4. Bank will only keep the property document if the loan against the property or if the home loan then your credit details and ITRs.