What to check before buying a builder floor in Gurgaon differs from an apartment purchase in important ways. A builder floor is one floor of a low-rise building on a plot, usually sold with a share of the land. Floors are built by many different builders, often in plotted colonies such as the DLF phases, Sushant Lok, South City and central sectors, so documents and permissions vary widely.
This guide explains the documents and permissions to check, the floor rights to confirm and the questions to ask. Have your lawyer verify everything before you commit.
Buying a builder floor?
Tell us the floor and we will gather documents and permissions for your lawyer, usually within one working day.
Documents to check
| Document | What it shows |
|---|---|
| Plot title documents | Who owns the land and the chain of ownership |
| Approved building plan | What the authority permitted to be built |
| Occupation certificate | The building is approved for occupation |
| Sale deed for the floor | Ownership of the specific floor |
| Registered land share | The floor’s undivided share of the plot |
| Floor rights documentation | Terrace, basement, lawn and parking rights |
| No-dues certificates | Utilities and property tax |
| Builder agreements | Terms between the builder and plot owner, if relevant |
Approved plan versus what was built
Compare the approved building plan with the actual building. Extra floors, enlarged balconies or structures on the terrace that are not on the plan can create compliance issues. Ask your lawyer to check.
Occupation certificate
The building should have an occupation certificate. Without one, utility connections, loans and future resale can be difficult.
Land share
Each floor usually comes with an undivided share of the land. Check that the share is stated in the sale deed and is consistent across floors.
Floor rights must be written down
Ask us to confirm terrace, basement, parking and lawn rights for each floor you like.
Floor rights
Rights that come with specific floors must be written into the sale deed:
- Ground floor: lawn or front or rear garden, sometimes basement
- Top floor: terrace rights
- Parking: allotted slots in stilt or basement
- Common areas: stairs, lift and entrance
Builder and plot owner arrangements
Many floors are built under collaboration agreements between a plot owner and a builder. Check that the person selling has the right to sell your floor under that arrangement.
Construction quality
Inspect waterproofing, especially near bathrooms and the terrace, plumbing, wiring, the lift and the facade. Visit floors the builder completed a few years ago to see how they have aged.
Shared responsibilities
Floor owners share the lift, water tanks, common lighting and structural repairs. Ask whether there is an agreement on how costs and decisions are shared.
Home loans for builder floors
Banks lend on builder floors with clear titles and approvals. They will check the building plan, occupation certificate and land share.
The full cost of buying
- Agreed price on a stated carpet area
- Stamp duty and registration charges, which in Haryana differ for men, women and joint buyers
- Legal fees, any brokerage and TDS
- Interiors and moving costs
- GST if buying before completion
Questions to ask
- Does the building match the approved plan?
- Does the building have an occupation certificate?
- What land share comes with this floor?
- What rights come with this floor?
- How are common costs shared?
Red flags
- No occupation certificate
- Construction beyond the approved plan
- Unclear floor rights
- Seller unable to show title or builder agreement
- No agreement among floor owners on shared costs
Who this guide suits
It suits anyone buying a builder floor in Gurgaon, including first-time buyers of low-rise homes.
Buying a floor before completion
Some builder floors are sold while still under construction. This can offer a lower price, but adds risk on finish quality and timing. If you buy early, agree specifications and a completion date in writing, link payments to construction stages, visit regularly and confirm that the building will receive an occupation certificate.
Stilt parking and lifts
Most redeveloped floors have stilt parking and a lift. Check the number of slots for each floor, whether they are allotted in writing, the lift’s brand and maintenance arrangements, and how lift power backup works.
Water and power
Ask how water is stored and supplied to each floor, whether there is a borewell and how power backup is provided. Check separate meters for each floor.
Agreement among floor owners
Some buildings have a written agreement among floor owners on shared costs, repairs, parking and use of common areas. If none exists, discuss expectations with other owners before buying.
Read more
Explore our guides to luxury builder floors in DLF Phase 1, luxury apartments vs builder floors and checking property title and ownership. Our luxury independent floors page lists current options.
How we help
Tell us the builder floor you like. We will gather plot, approval and floor-rights documents for your lawyer, flag gaps and support you through registration.
Check a builder floor
Share the builder floor you like. We will gather plot, approval and floor-rights documents for your lawyer before you commit.
Frequently asked questions
What documents should a builder floor have?
Plot title, approved building plan, occupation certificate, sale deed, land share, floor rights and no-dues.
Why compare the plan with the building?
Construction beyond the approved plan can create compliance issues.
Does a builder floor need an OC?
Yes. Without one, utilities, loans and resale can be difficult.
What is a land share?
The floor's undivided share of the plot, stated in the sale deed.
What floor rights should I confirm?
Lawn, basement, terrace, parking and common area rights.
What is a collaboration agreement?
An arrangement between a plot owner and builder to build and sell floors.
How are common costs shared?
Floor owners share lift, water, lighting and repairs, ideally under a written agreement.
Can I get a home loan for a builder floor?
Yes, with clear title and approvals.
What are red flags?
No OC, construction beyond plan, unclear rights and missing title documents.
Can you gather documents for me?
Yes, for your lawyer's review.
Is buying a floor under construction risky?
It carries more risk. Agree specifications and dates in writing and link payments to stages.
Does each floor have separate meters?
Usually. Check electricity and water metering for your floor.
Should floor owners have a written agreement?
It helps. It sets out shared costs, repairs, parking and use of common areas.
Who maintains the lift in a builder floor?
Usually the floor owners jointly, through a contract with the lift company.
Related guides
- How to Check Property Title and Ownership Before Buying a Gurgaon Apartment
- Gurgaon Property Site Visit Checklist: Questions to Ask Before Making an Offer
- How to Verify a Gurgaon Property's Haryana RERA Registration Before Booking
- How to Sell a Jointly Owned Flat in Gurgaon: Documents and Sale Process
- Fully Furnished Flats for Rent Near Cyber City, Gurgaon