Apartment Ownership Explained for Homebuyers in Thrissur

Posted onJan 29, 2026

As a young professional with a small family or an NRI, it is but natural that you would want to purchase an apartment in your hometown. For most professionals, especially those in the IT sector and those with dual incomes, owning an apartment near their workplace is today a necessity. It should also reflect your current status in life, and there are several apartments in Thrissur today that can fulfil your housing requirements.

So what exactly does flat ownership in Thrissur involve, and what all do you need to be aware of? Let us discuss this in some detail.

Buying a flat in Thrissur means you buy into the ownership of a specific residential unit, and additionally, an undivided share of the land on which the building stands. Thrissur is acknowledged as the cultural capital of Kerala, and is also a major financial hub. Of late, it is also emerging as an IT destination, making it a sought-after and competitive real estate market.

To ensure that your investment is legally secure and that you will not face any issues later, it is essential that you do your due diligence.

A Comprehensive Guide To Apartment Ownership For Homebuyers In Thrissur

Key Documents for Ownership

Any real estate transaction involves a number of documents, and you need to be aware of what they are and what they mean. Ideally, you should consult a property expert or lawyer so that all documents can be properly verified and your interests are protected.

Sale Deed/Title Deed

This is the most important document, as it names the owner of the property. It is essential to transfer ownership of the apartment, and it has to be registered at the local sub-registrar’s office where the flat is located.

Encumbrance Certificate (EC)

This document states that the property is not subject to any unresolved disputes, legal issues, financial dues, liens, or mortgages, and the title is clear. It is critical as it helps you ensure that you will face no issues at a later date.

RERA Registration

Ensuring that the apartment is RERA-approved must be a key part of your Real estate investment strategies in Thrissur. This certification demonstrates that the property and construction are in compliance with the associated regulations, laws, and deadline requirements.

Occupancy Certificate (OC)

This is issued by the Thrissur Municipal Corporation, confirming that the apartment building is fit to be occupied, and that it has complied with the approved building plans submitted prior to construction.

Approved Building Plan & Permit

This document confirms that the building construction complies with the zoning regulations as implemented by local authorities. Each area in a locality is categorised as residential, industrial, or commercial, andbuilders in Thrissur have to ensure compliance with this.

Land Tax Receipt

This document is proof that property taxes on the apartment have been paid to date and that there is nothing outstanding.

Legal Aspects of Ownership

Undivided Share of Land (UDS)

You legally own a small portion of the land on which the building is constructed, and it can only be transferred when you sell the apartment.

Types of Ownership

Just check that it is freehold property and not leasehold. Leasehold has a specific time limit, whereas freehold means that you have full ownership of the flat.

Registration Charges & Stamp Duty

Typically, in Kerala, you need to pay about 8% of the property value as stamp duty, and a further amount as registration charges. Check these amounts before you finalise your purchase.

RERA Protections

K-RERA states that developers must charge fair prices and not calculate prices for both carpet and super built-up areas.

Additional Costs

We have already seen the stamp duty and registration costs you will incur. Additionally, you must also factor in charges like brokerage, parking fees, maintenance deposits, GST, and so on.

Due Diligence Checklist

• It’s critical to verify the credibility of the developer by checking their track record in Thrissur for quality and adherence to plans, timelines, and budgets.
• Make sure that there are no legal disputes pending on the land
• Physically inspect the apartment to see for yourself the quality, water supply, power backup, amenities, layout, spaciousness, ventilation, and so on.

Conclusion

Having your own apartment always offers a sense of pride and prestige. As it involves large sums of money, it is important that you check everything carefully before you purchase. Ensuring K-RERA approval, conducting a title search, and checking all documents, including the occupancy certificate, are essential.

Varma Homes is a reputed builder in Thrissur with premium 2 and 3 BHK flats in prime residential areas of Thrissur, like the Swaraj Round and Poochatty.