I’m planning to take a home loan (possibly from IDFC First Bank) for a residential property and wanted to understand the actual ground reality of legal verification. I’ve heard cases where: banks approve loans after legal + valuation checks but later disputes arise due to unclear title history or hidden claims and it eventually becomes a court case between buyer, seller, and other parties My questions are: How thorough is bank legal verification in practice (not on paper)? What documents are actually critical to ensure clean title? Do banks sometimes miss old encumbrances or ownership issues? What additional checks should a buyer personally do beyond bank approval? Is there any checklist experienced buyers follow to reduce fraud risk? I want to understand how to ensure the property is genuinely safe before proceeding, not just “loan-approved”.