Step 6 of 8: Sale deed — The deed is registered and the flat becomes yours.
Step 6 of 8
Sale deed
The deed is registered and the flat becomes yours.
The agreement to sell was a promise to transfer. The sale deed is the transfer. It is registered at the sub-registrar's office, and on registration ownership passes to you. You pay stamp duty and a registration fee on it — in Karnataka roughly 5–6% stamp duty (with cess and surcharge) plus the registration fee, but work out the exact figure for your price with the stamp-duty calculator and confirm it before you transfer money.
The money at this step
The final instalment to the builder, plus stamp duty and the registration fee to the government. Stamp duty and registration are usually paid from your own money, not the loan.
Where Pinly helps
The stamp-duty calculator works out duty, cess, surcharge and the registration fee for your price, and says which rates it uses.
Stamp-duty calculatorHow long this usually takes
Registration is one appointment; getting to it — drafting, final disbursement, stamp duty — commonly takes 1–4 weeks.
You are done with this step when
You hold a registered sale deed in your name.
Your next step · Sale deed
Work out the stamp duty, then register the sale deed
Stamp duty and the registration fee usually come from your own money, not the loan. Know the figure before the appointment, and have your lawyer check the draft deed line by line.
5 minutes for the number, one appointment to register
Documents at this step
Registered sale deed
The document that makes you the owner. With a loan, the bank keeps the original — keep certified copies.
Stamp duty and registration receipts
Proof of payment, and part of your cost for tax.
Fresh encumbrance certificate
Confirms the sale is on the record.
Questions to ask
- Who drafts the sale deed, and who pays for drafting?
- Is the final e-khata in place so the deed can be registered?
- What is the exact stamp duty and registration fee on my price?
Traps at this step
Not reading the deed before signing
A misspelt name or a wrong area on a registered deed can only be fixed by another registered document, with its own cost and delay.
Budgeting stamp duty from the loan
Lenders usually exclude stamp duty and registration from what they fund. Keep that money ready from your own funds.
This is general guidance to help you plan, not legal, tax or financial advice. Process, charges and stamp duty change, and vary by bank, builder and authority. Have a property lawyer read your documents, and confirm every figure before you transact. Pinly does not verify title, and does not perform legal due diligence on your behalf.