How to Buy Property in India

Buying a home is the largest financial decision most Indian families make. This guide walks you through every stage of the journey.

1. Decide your budget

Work out your down payment (typically 20% of property value) and the EMI you can comfortably afford. Most banks cap home-loan EMI at 40-50% of monthly income.

2. Choose the right city and locality

Look at infrastructure, schools, hospitals, water supply, and resale demand. RealEstate site.in lets you filter by suburb, price band, and property type.

3. Shortlist properties

Visit at least 5-7 properties before deciding. Check carpet area (not super built-up), ventilation, parking, and the builder's track record.

4. Legal due diligence

Ask for title deeds, encumbrance certificate, RERA registration, occupancy certificate, and approved building plan. A property lawyer typically charges Rs 10,000-25,000 for verification.

5. Negotiate and book

Make a token payment (1-2%) only after agreeing in writing on price, possession date, and inclusions.

6. Home loan & registration

Apply with 2-3 banks, compare interest rates, and pay stamp duty + registration (5-8% depending on state).

7. Possession

Verify all amenities promised, get the no-dues certificate, and register the sale deed.

Need help?

Browse verified listings on RealEstate site.in or contact an agent in your city.