India ka pehla complete first-time buyer guide. Research se registration tak — har step pe sahi tool, sahi information, sahi guidance. Hindi aur English mein.
Click any step to expand. Complete each step before moving to the next.
Most first-time buyers make the mistake of visiting sites before doing research. Start here.
Do not just think about the property price. Add: 6-8% stamp duty + registration, 3-6 months EMI before possession, interior cost (Rs 200-600/sqft for a basic setup). Many first-time buyers are shocked by these extras.
Ready-to-move: no RERA risk, no delay risk, can see before you buy. New launch: cheaper price, but 2-4 year wait, builder risk. For your first home — Ready-to-Move is almost always safer.
Your budget is not just the property price. There are 5 numbers you need to know.
Your total EMI (home loan + any other loans) should not exceed 40% of your take-home salary. Banks call this FOIR — Fixed Obligation to Income Ratio.
Stamp duty (5-7% of property price) + Registration (1%) + GST on under-construction (5%) + Society charges + Car parking (Rs 3-10L separately) + Interior setup
The builder you choose matters more than the project. Check their track record before anything else.
How many projects did this builder complete on time in the last 10 years? Ask them directly. Check our delivery tracker. A builder with 80%+ on-time delivery is rare and valuable.
Self-declared RERA compliance (always verify at .gov.in), no past buyer reviews, promised possession dates that keep changing, aggressive sales tactics to sign quickly.
Visit at least 3 projects before deciding. Know what to check when you are there.
Actual carpet area (measure yourself). Natural light and ventilation. Floor, view, parking position. Construction quality (check columns, ceiling height). Check if promised amenities are actually built.
Floor plan copy, RERA number to verify on-site, builder brochure to compare promises vs reality, list of questions about completion timeline and OC status.
Every property has negotiation room. Know how much before you start.
Ready-to-move: 5-8% off listed price is realistic. Under-construction new launch: 3-5% off, but more room on freebies (car parking, floor rise, PLC charges). Commercial: 8-15% room.
Tell the builder you are comparing 3 projects. Show them your loan pre-approval (proves you are serious). Offer faster payment schedule in exchange for a discount.
Do not skip legal due diligence. This is where most first-time buyers make expensive mistakes.
For Rs 10,000-25,000, a property lawyer will review your sale agreement and identify any problematic clauses. Worth every rupee on a property worth crores.
Possession date (with builder penalty clause), carpet area guarantee, RERA number in agreement, all promised amenities listed, payment schedule matches your loan disbursement.
You are almost there. Here is what happens from booking to possession.
Under-construction: Booking → Agreement (30-60 days) → Construction period (2-4 years) → OC → Possession offer → Registration. Ready-to-move: Booking → Agreement (30-60 days) → Possession offer → Registration.
Possession letter, OC copy from builder, all original documents, society share certificate, first maintenance receipt, Completion Certificate from local authority.