Before falling in love with a property, know how much you can afford. Include all costs—down payment, registration fees, loan EMIs, stamp duty, interior costs, and monthly maintenance. Use online home loan EMI calculators to stay within a realistic budget.
Check Your Loan Eligibility
Your CIBIL score and income determine how much loan banks will offer. A score of 750 or above is usually preferred. Talk to 2–3 banks and get pre-approval, which helps you negotiate better with developers.

Think beyond price. Look for:
- Good schools, hospitals, markets
- Metro or highway access
- Low noise and pollution
- Future infrastructure projects
Tip: Even if a location is slightly costly now, strong future development can boost your property value.
A property's cost is not just its selling price. Include:
- Stamp Duty & Registration (5–8%)
- GST (if under-construction)
- Brokerage (if any)
- Legal fee, Home insurance
- Maintenance deposits (if applicable)

Here’s what you should check (or ask a lawyer to):
- Title deed
- Encumbrance certificate
- Sale agreement
- RERA registration number (for under-construction)
- Completion & occupancy certificates (for ready-to-move)
Tip: Buying a RERA-registered property adds more safety.

If it's ready-to-move, don’t skip a full inspection. Look for:
- Wall cracks or seepage
- Loose electrical fittings
- Plumbing issues
- Faulty doors/windows
Buying your first home is a once-in-a-lifetime moment. By doing the research, asking the right questions, and verifying all legal details—you’ll ensure your new home is a place of peace, not problems.
Still confused or need help finding trusted properties in your area? Contact our expert team and we’ll guide you through the process from start to finish!