An agreement to apartment is the agreement for sale of a flat in a building submitted to the Maharashtra Apartment Ownership Act, 1970 (MAOA). The buyer gets the apartment plus an undivided share in common areas, and title is finally transferred by a registered deed of apartment. In Maharashtra the agreement is stamped like a conveyance — about 7% in Pune, PCMC and Thane city limits, 6% in Mumbai — and registered with 1% fee capped at ₹30,000.
Apartment (condominium) vs co-operative society
| Apartment under MAOA | Co-operative housing society | |
|---|---|---|
| What you own | The apartment itself + undivided share in land and common areas | Shares in the society + right to occupy the flat |
| Body managing building | Association of apartment owners | Registered co-operative society |
| Title transfer | Deed of apartment | Sale deed + share certificate transfer |
| Land conveyance | Through the declaration and deeds of apartment | Conveyance / deemed conveyance to society |
Many large Pune projects in Kharadi, Baner, Wakad and Hinjewadi follow the condominium route, so it is worth checking before you sign.
Documents required for apartment agreement
Buyer
- Aadhaar and PAN card
- Passport-size photographs
- Payment proof and loan sanction letter, if any
Seller / developer
- Registered declaration under MAOA and its Index-II
- Previous deed of apartment (for resale)
- Approved plan, occupancy certificate
- Association of apartment owners NOC (for resale)
Witnesses
- Aadhaar of two witnesses
How the apartment agreement process works
- Confirm the building type
We check whether the building is a co-operative society or submitted under MAOA by a registered declaration.
- Review the declaration
We read the declaration for your flat’s percentage share in common areas and any restrictions.
- Draft the agreement
Price, payment schedule, possession, undivided share and maintenance obligations clearly recorded.
- Stamp duty and registration
Duty calculated on market value; documents registered at the Sub-Registrar office.
- Deed of apartment
We then prepare the deed of apartment to complete your title.
Get your apartment agreement done without the guesswork
Send your details on WhatsApp. We share the exact document list and stamp-duty estimate before you pay anything.
What to check before signing
- The declaration under MAOA is registered and covers your building and flat.
- Your flat’s percentage of undivided interest in common areas.
- Whether earlier buyers have received deeds of apartment — this shows the process is working.
- For resale: no-dues certificate from the association and the seller’s registered deed of apartment.
Agreement to Apartment (Apartment Agreement) in Pune, Pimpri-Chinchwad, Mumbai, Thane & Palghar
We handle apartment agreement for clients across these cities. What differs locally:
| City | What to know locally |
|---|---|
| Pune | Stamp duty ~7% in PMC limits (6% for women), incl. metro cess & LBT. Registered at Haveli and Pune city Sub-Registrar offices. |
| Pimpri-Chinchwad | Stamp duty ~7% in PCMC limits (6% for women), incl. metro cess & LBT. Registered at Jurisdictional Sub-Registrar office for Pimpri-Chinchwad (Haveli / Maval / Mulshi as applicable). |
| Mumbai | Stamp duty 6% in BMC limits incl. 1% metro cess (5% for women). Registered at Mumbai City and Mumbai Suburban Sub-Registrar offices. |
| Thane | Stamp duty ~7% in TMC limits (6% for women), incl. metro cess & LBT. Registered at Thane district Sub-Registrar offices (Thane, Kalyan, Bhiwandi, Ulhasnagar, Ambernath). |
| Palghar | Stamp duty ~4–7% depending on corporation, council or gram panchayat limits. Registered at Palghar district Sub-Registrar offices (Vasai, Palghar, Dahanu and others). |
Frequently asked questions
What is an agreement to apartment?
It is the agreement for sale of a flat in a building submitted under the Maharashtra Apartment Ownership Act, 1970. It records the price, payment terms and your undivided share in common areas, and is followed by a deed of apartment.
How do I know if my building is under the Apartment Ownership Act?
Ask for the registered declaration under MAOA and its Index-II. If the building is managed by an association of apartment owners rather than a co-operative society, it is usually a condominium.
What is the stamp duty on an apartment agreement?
Same as any flat purchase: about 7% in Pune, PCMC and Thane city limits and 6% in Mumbai, on the higher of price and Ready Reckoner value, with 1% concession for women buyers.
Is a deed of apartment needed after the agreement?
Yes. The deed of apartment conveys title of the flat and the undivided share to you. If full duty was paid on the agreement, it is adjusted against the deed.
Can you handle resale of a condominium flat?
Yes. We check the seller’s deed of apartment and association NOC, draft the agreement, and register the deed of apartment in your name.
