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Home Buyer’s Legal Certificate Course: Title, RERA, Registration and Home Loans

Categories: Certificate courses
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About Course

A home is the biggest purchase most Indian families make, and the most common place to lose money through avoidable mistakes: paying for a plot on a power of attorney, accepting years of builder delay without claiming interest, buying a flat with no occupancy certificate, or signing a one-sided builder agreement. This course shows first-time buyers, resale buyers and NRIs exactly what to check, which law protects them, and which forum to approach, with section numbers, time limits, checklists and model letters.

What you will learn

  • The types of property you may be offered: freehold, leasehold, authority allotments, co-operative society flats and builder apartments
  • How to verify title: chain of title, encumbrance certificate and the rights of legal heirs
  • Why mutation is not title (Jitendra Singh, 2021) and power-of-attorney sales do not convey title (Suraj Lamp, 2011)
  • Approvals to demand: land use, sanctioned map, completion and occupancy certificates
  • RERA protections: project registration, carpet area, the 10% advance cap, Section 18 refund or interest, and Section 31 complaints
  • Red flags in the builder-buyer agreement and how to respond
  • Registration under Sections 17 and 49 of the Registration Act, TDS on purchase, and RBI home loan rules on prepayment, documents and insurance
  • Resale checklists, taking possession, society transfer, choosing the right forum, and model letters

Who this course is for

First-time flat and plot buyers, families buying resale homes, NRIs and OCI cardholders buying in India, and anyone facing builder delay, defects, a stuck society transfer or a home loan dispute. No legal background is needed.

How the course works

6 modules and 18 self-paced text lessons with worked examples from Indian cities. Each module ends with a 5-question quiz. The final module includes step-by-step action plans, checklists and model letters you can adapt.

How the certificate works

  • Final test of 30 multiple-choice questions, mostly practical scenarios
  • 45 minutes, pass mark 60%, retry allowed
  • Certificate with a unique ID, verifiable online at lexfolio.in/verify-certificate/
  • This is a certificate of completion issued by Lexfolio, not a degree, diploma or professional qualification

This course is for education and general information, not legal advice for a specific case. Law as on 29 October 2026. Stamp duty, registration fees and many procedures vary by state.

Access: after payment, open My account > Courses and start learning. Lifetime access.

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What Will You Learn?

  • Identify the type of ownership a seller holds and what it allows you to buy
  • Verify a seller's title using the chain of title and encumbrance certificate
  • Explain why mutation and GPA sales do not make anyone the owner
  • Check land use, sanctioned plans and occupancy certificates before paying
  • Use RERA rights on registration, carpet area, the 10% cap, delay and defects
  • Spot red flags in a builder-buyer agreement before signing
  • Handle registration, TDS and home loan rules on charges, prepayment and documents
  • Choose the right forum and draft demand letters and complaints

Course Content

Module 1: Property, Ownership and How This Course Works
Why home buyers lose money, how ownership in India actually passes, and the different kinds of property (freehold, leasehold, authority allotments, co-operative society flats) you may be offered.

  • Why every home buyer needs this knowledge
  • Types of property and ownership: freehold, leasehold, allotments and societies
  • Who you buy from: builders, resale owners, authorities, and NRI buyers
  • Module 1 quiz

Module 2: Title Verification and Approvals
How to check that the seller really owns the property and can sell it, why mutation and power-of-attorney papers are not title, and which building approvals you must see before paying.

Module 3: RERA and the Builder-Buyer Agreement
How the Real Estate (Regulation and Development) Act, 2016 protects buyers of under-construction homes: project registration, carpet area, the 10% advance cap, agreement red flags and your remedies when the builder delays.

Module 4: Stamp Duty, Registration and Home Loans
How the sale deed is stamped and registered, what costs and tax deductions the buyer handles, and the RBI rules that protect home loan borrowers on charges, prepayment, documents and insurance.

Module 5: Resale Purchases, Possession and Society Transfer
A complete checklist for buying a resale home, what to check and do when a builder offers possession, and how to get yourself admitted to the society or association after you buy.

Module 6: Disputes and Your Practical Toolkit
Which forum to approach for each kind of home-buying dispute, a step-by-step action plan with checklists, and model letters and complaint outlines you can adapt.

Final Assessment and Certificate
Pass the final assessment with 60% or more to receive your certificate of completion. You have 3 attempts.

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