Many home buyers overlook hidden fees. Calculate the exact purchase price including GST, Stamp Duty, Registration, and Brokerage charges.
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The advertised property price is only one part of the total purchase cost. Buyers should also account for legal fees, loan processing charges, maintenance deposits, brokerage fees, and other transaction-related expenses.
When purchasing a property through a mortgage, the total amount paid over time may be significantly higher than the purchase price due to interest charges. Comparing loan options can help reduce long-term costs.
Property-related charges vary by city, state, and development type. Maintenance fees, society charges, utility deposits, and local taxes can have a noticeable impact on the overall cost of ownership.
Owning a property involves ongoing costs such as maintenance, repairs, insurance, and property taxes. Factoring these expenses into your budget helps create a more realistic estimate of long-term affordability.
The actual cost of buying a property is the sum of the base property price plus additional mandatory expenses such as Stamp Duty, Registration Fees, GST (for under-construction properties), Brokerage, and other society development charges.
Stamp Duty usually ranges from 4% to 8% of the property value, depending on the state and gender of the buyer. Registration fees are typically 1% of the property value or a fixed cap set by the local government.
GST is only applicable on under-construction residential properties (typically 1% for affordable housing and 5% for non-affordable housing). Ready-to-move-in properties with a Completion Certificate (CC) are exempt from GST.
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