Complete Checklist for First-Time Home Buyers in Dindigul

Congratulations on deciding to buy your first home! Here is a comprehensive checklist to guide you through every stage.

Financial Preparation

• Calculate your total budget including registration charges (7-8% of property value)
• Check your CIBIL score (720+ is ideal for home loan approval)
• Compare home loan interest rates across banks
• Keep 6 months of EMI as emergency fund

Property Search

• Shortlist 3-5 properties within budget
• Verify DTCP/CMDA layout approval
• Check Patta and Chitta online
• Confirm EC is clear for 30 years

Site Visit

• Visit at different times of day
• Check road access, drainage, and water supply
• Verify actual boundaries match documents
• Talk to neighbours about the area

Legal Verification

• Engage a lawyer for title search
• Verify seller's identity and ownership
• Check for outstanding property tax dues
• Confirm there are no court cases on the property

Registration

• Draft sale deed with licensed advocate
• Pay stamp duty and registration fee
• Register at Sub-Registrar office with all originals
• Apply for Patta transfer within 90 days

Post-Purchase

• Transfer EB connection to your name
• Update address in Aadhaar, bank records
• Apply for home loan tax benefits under Section 80C

Need help with any step? Call Dindigul Property Expert at +91 8428805106.