Buyer’s Guide

If you are reading this from outside India and wondering whether a bank will actually lend you money for a property you have not...

Sale deed vs agreement to sale: what each document actually does The Agreement to Sell (also called Agreement for Sale) is a preliminary, legally...

{{auto_toc}} How to verify ownership of a property: the document set that matters Ownership verification is not a single-document exercise. A complete verification cross-checks...

{{auto_toc}} What checking property legal status actually means Buyers often treat “is this property legal” as a single yes-or-no question. In practice it is...

{{auto_toc}} The three document stacks every flat purchase requires Most checklists list 15 to 30 individual documents without organising them by source, which makes...

{{auto_toc}} What is meant by a studio apartment: the definition that matters in India The word studio originated in European and North American housing...

{{auto_toc}} What is a completion certificate and why it exists When a builder submits building plans to the local municipal corporation for approval, they...

{{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...