Calculate the complete cost of buying a home in India — beyond the sale price. Includes stamp duty, GST, interiors, brokerage, maintenance deposit, and all hidden charges.
The sale price is just the beginning. Most home buyers in India underestimate the total outgo by 15–25%. A ₹75L flat in Maharashtra can end up costing over ₹90L after stamp duty (6%), registration (1%), interiors, brokerage, GST (for under-construction), and moving costs. This planner ensures you go in with your eyes open.
No. Home loans fund only the property value (up to 80–90% of it). Stamp duty, registration charges, and all other costs must come from your own funds. This is why home buyers need 15–25% of the property value as own contribution — not just the 10–20% "down payment" on the loan.
No. GST at 5% (regular) or 1% (affordable housing below ₹45L) applies only to under-construction properties. Once a project gets Occupancy Certificate (OC/CC), it becomes ready-to-move and GST does not apply. Resale properties also have no GST.
Budget ₹500–800/sq.ft for basic modular interiors in metro cities. A 1,000 sq.ft 2BHK flat = ₹5–8L for basic kitchen, wardrobes, and civil work. Premium interiors with branded hardware and custom woodwork can reach ₹1,200–2,000/sq.ft. Builder-provided "full furnished" flats often charge 20–40% premium for this.
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