If you’re buying an apartment in Chennai—especially for self-use or as an investment—there are a few important points you should check to avoid unpleasant surprises later. Here’s a structured guide:

1. Legal & Ownership Checks

• Clear Title – Verify that the seller/builder has a clean, marketable title with no disputes. Ask for the mother deed and chain of ownership.
• Encumbrance Certificate (EC) – Obtain from the Sub-Registrar’s Office for at least the past 30 years to ensure no legal dues or mortgages exist.
• Patta & Chitta/Adangal – For land parcels, ensure the patta is in the builder’s name.
• Approvals & Sanctions – Check that the building has CMDA / DTCP / local authority approval and RERA registration.
• No Objection Certificates (NOCs) – From departments like fire safety, environmental clearance, and water supply.

2. Builder Credibility

• Track Record – Look at previous projects for quality, delivery timelines, and after-sales service.
• Financial Stability – A financially sound builder is less likely to abandon a project mid-way.
• Customer Feedback – Speak to existing residents of the builder’s past projects.

3. Location & Infrastructure

• Connectivity – Proximity to workplaces, schools, hospitals, and public transport.
• Neighbourhood Development – Check if the area is appreciating in value or if major infrastructure projects are planned.

4. Apartment & Project Features

• Quality of Construction – Inspect materials, finishes, and structural stability.
• Amenities vs. Maintenance Cost – Amenities like swimming pools, gyms, and clubhouses add value but also increase monthly maintenance charges.
• Ventilation & Natural Light – Essential for long-term living comfort.

5. Financial & Tax Considerations

• Total Cost Calculation – Include base price, floor rise charges, GST, registration fees, stamp duty, and any other extras.
• Home Loan Eligibility – Check if your bank has approved the project; this also acts as an additional legal vetting.
• Property Tax Records – Ensure there are no unpaid taxes.

6. RERA & Compliance

• RERA Registration – All new projects must be registered with Tamil Nadu RERA. You can check details at www.tnrera.in.
• Possession Date & Penalty Clause – Ensure the agreement specifies delivery timelines and penalties for delays.

7. Resale & Exit Value

• Market Demand in the Area – Apartments in well-connected, water-secure, and non-flood-prone areas appreciate faster.
• Rental Yield – If you’re considering it as an investment, check the going rent in the area.