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Most first-time buyers think “tax receipt hai toh sab clear hai.” Wrong. Khata aur tax receipt do alag documents hain. Ek missing hua toh bank loan atak jayega ya resale me problem aayegi. 1. What is a Khata Certificate? Khata is an account of your property in the Panchayat or Municipal records. It proves your name is entered as the owner in government books. Why it matters: Without Khata in your name, you cannot get building plan approval, electricity connection, or home loan. It’s the first document banks ask for. Types: A-Khata: Fully approved property with all taxes paid and DC conversion done B-Khata: Semi-approved. Tax is collected but land use or plan may not be approved. Loan risk is high. 2. What is a Property Tax Receipt? This is just proof that tax for the current year has been paid. It does NOT prove ownership. Anyone can pay tax for a property. Why it matters: You need latest tax receipt to get Khata transferred to your name after purchase. But tax receipt alone is useless if Khata is still in seller’s name. The Big Difference: Khata Certificate Tax Receipt Proves ownership entry Proves tax payment only Needed for loan & resale Needed for Khata transfer One-time per owner Paid every year When buying land, check both. Khata must be in seller’s name + latest tax receipt must be paid. After registry, apply for Khata transfer to your name within 30 days. We sell only A-Khata properties with clear tax records. Khata transfer support included in our service.

This is the most common confusion buyers face. A dealer might say “all clear”, but there are 3 types of property ownership in India. Pick the wrong one and you may face loan rejection or resale issues. 1. Freehold Property – Safest Option You get 100% ownership of the land. You can sell, mortgage, or transfer it to your heirs. There’s no lease from government or authority. How to identify: Sale deed will mention “Absolute Sale” or “Freehold”. Khata gets transferred in your name. GEOVistaar Standard: We deal only in freehold plots. 2. Leasehold Property – Time Limited The land belongs to a government authority. You get it on lease for 30, 60, or 99 years. After expiry, you must renew it or return it. Issues: Banks hesitate to give loans. Resale value is lower. Common Examples: DDA flats in Delhi, Authority plots in Noida. 3. GPA Property – Highest Risk GPA means General Power of Attorney. The original owner gives someone else the “power to sell”. You’re buying from a GPA holder, not the actual owner. Risk: If the original owner cancels the GPA or issues multiple GPAs, it leads to legal disputes. Supreme Court has ruled that GPA does not transfer ownership. Avoid unless the property is registered directly in your name.

RERA means Real Estate Regulation and Development Act, 2016. It was made because too many builders delayed projects and cheated buyers. Now the law protects you. How RERA helps a plot buyer: No False Ads: Every brochure, website, and ad must carry the RERA number. If they don’t show it, it’s a red flag. Money Safety: 70% of your money goes into a separate bank account. Builder cannot use it for other projects. This stops fund diversion. Carpet Area Clarity: Price must be based on carpet area, not super built-up area. You pay for what you actually get. Timely Delivery: Builder must mention delivery date. If delayed, you get interest or can exit with full refund. No Plan Changes: Layout, amenities, and plot size cannot change without 2/3 buyer consent. 5 Year Warranty: Any structural defect in 5 years must be fixed by the developer for free. How to check: Go to your state RERA website → “Registered Projects” → Enter project name or RERA ID. You’ll see approval status, litigation, and completion date. GEOVistaar Promise: We deal only in RERA approved layouts. Our RERA number is in the footer. Check it yourself.