Buyer’s Guide

{{auto_toc}} What is a non-encumbrance certificate and when to ask for it An encumbrance certificate is a document from the Sub-Registrar of Assurances listing...

{{auto_toc}} What is a luxury apartment: the three-part definition that actually works Most definitions of a luxury apartment focus on the obvious: marble floors,...

{{auto_toc}} How much down payment is required to buy a flat: the RBI framework The RBI does not tell you how much down payment...

{{auto_toc}} What banks actually look at when deciding home loan eligibility criteria Most eligibility guides start with the CIBIL score and stop there. The...

{{auto_toc}} Why the same loan amount produces a different EMI at SBI and HDFC The formula is identical everywhere. What changes is the interest...

{{auto_toc}} Income tax benefits on joint home loan: the Rs 7 lakh annual deduction most couples miss The tax mathematics on a joint home...

{{auto_toc}} Why checking RERA approval before the site visit matters Most buyers check RERA after they have fallen in love with the apartment. They...

{{auto_toc}} Why there are four different ways to calculate property value in India In most financial markets, an asset has one price. Indian property...

{{auto_toc}} Why the hidden costs when buying a flat surprise even experienced buyers The problem is not deception. The problem is a convention. Indian...

{{auto_toc}} Why the fixed vs floating interest rate decision matters more than most buyers think Consider a Rs 50 lakh loan over 20 years....

{{auto_toc}} Why the salary required to buy a flat is not a single number Every affordability calculator gives you a number. “You need Rs...

How to improve home loan eligibility: start with the right diagnosis Most buyers who are told they are ineligible (or eligible for less than...