Getting the title deed for your property is a great feeling. It means the home is officially yours. But the transfer process can sometimes get stuck. Identifying what causes these pauses helps you move forward smoothly.
Below are common delays and simple ways to stop them from happening.
Incorrect or missing documents
The paperwork for a title deed transfer is specific. Missing a single paper, or having one with a small error, can stop everything. An expired passport copy, an old power of attorney, or a misspelled name are common problems.
How to avoid it: Before you submit anything, get a complete checklist from the relevant government department. Double-check every form. Ensure all names match exactly as they appear on official IDs. A careful review at the start saves days of waiting later.
Unclear property details
Sometimes the official records for a property have small errors. The floor plan might not match the actual built area. An old owner’s name might still be on file. These inconsistencies must be fixed before a new deed is issued.
How to avoid it: Conduct a technical audit of the property early. This checks if the government records are correct. Solve any differences between the plans and the real property before starting the transfer. This step clears the path.
Delays from banks and mortgages
If there is a loan on the property, the bank is involved. The process can slow down if bank paperwork is delayed or if the bank’s internal approvals take time. The bank must provide a clear letter stating the loan is settled or transferred.
How to avoid it: Talk to your bank manager at the very beginning. Understand their steps and all the papers they will want. Get their timeline and stay in regular contact. Quickly provide any extra documents they ask for.
Unpaid service charges
Property developers or community managers charge fees for building upkeep. If the seller has not paid these fees in full, the transfer will not go through. The department will not process the deed until all dues are cleared.
How to avoid it: As a buyer, make this a key part of your checks. Ask the seller for a recent clearance certificate from the developer or community manager. Do not proceed until you see proof that all charges are paid.
