FAQ

As local experts, we understand that Vastu is vital for many Indian families. While not every modern project is 100% Vastu-compliant, we prioritize listings that offer: East/North facing main entrances. Kitchens in the Agni (South-East) corner. Master bedrooms in the Nairutya (South-West) zone. We can provide a specific “Vastu-Score” for any property you are interested in.

Under the Old Tax Regime, you can claim: Section 80C: Up to ₹1.5 Lakh on the Principal repayment. Section 24(b): Up to ₹2 Lakh on the Interest paid (for self-occupied property). Note: Under the New Tax Regime, these specific home loan deductions are generally not available.

These costs vary by state and the gender of the owner. On average, you should budget 5% to 8% of the property value. State Examples: Uttar Pradesh/Maharashtra (approx. 6-7%), Karnataka (approx. 5%), Tamil Nadu (approx. 7%). The “Women’s Discount”: Many states (like Delhi, Haryana, and Punjab) offer a 1%–2% discount on stamp duty if the property is registered in a woman’s name or jointly with a woman.

Under Section 194-IA of the Income Tax Act, if the property value is ₹50 Lakhs or more, the buyer (not the seller) is legally responsible for: Deducting 1% TDS from the total sale price. Depositing it with the government within 30 days via Form 26QB. Providing Form 16B (TDS certificate) to the seller. Failure to do this can lead to penalties and interest for you as the buyer.

The GST (Goods and Services Tax) depends entirely on the stage of construction: Ready-to-Move-In (with Completion Certificate): 0% GST. This is why many Indian buyers prefer finished flats—it saves you 5% immediately. Under-Construction (Standard): 5% GST (without Input Tax Credit). Affordable Housing: 1% GST (for houses valued up to ₹45 Lakhs and meeting specific size criteria). Note: GST is only applicable on the property value, not on Stamp Duty or Registration.

In 2026, RERA (Real Estate Regulatory Authority) has become the gold standard for trust. A RERA-registered project ensures: Fund Security: 70% of your money is kept in a dedicated escrow account for construction only. Transparency: You can check quarterly progress reports and approved building plans on the official RERA portal. Standardization: You pay only for the Carpet Area, not the “Super Built-up Area.” Redressal: Access to fast-track courts if the developer delays possession.

Current rates in 2026 are averaging between 7.10% and 8.5% depending on your credit score and the lender. Women applicants and defense personnel often receive an additional 0.05% concession.

Every buyer is protected by a 5-year warranty on structural and workmanship defects. If you notice cracks, leakages, or electrical flaws within 5 years of possession, the builder must fix them for free within 30 days of your complaint.

No. Legally, a developer cannot make significant changes to the sanctioned building plan or individual flat layout without the written consent of two-thirds of the buyers in that project.

Under 2026 norms, if a developer misses the possession date, you are entitled to a full refund plus interest (linked to SBI’s MCLR + 2%). Alternatively, you can stay in the project and receive monthly interest compensation until the keys are handed over.

Buyers in 2026 are prioritizing “Certainty.” Ready-to-move-in (RTMI) properties eliminate construction risk and the dual burden of paying both Rent and EMI. They also allow you to see the exact quality of construction before committing.

While 20% is traditional, many 2026 loan programs (like FHA or revised conventional limits) allow for as little as 3% to 5% down. In India, builders often accept a 10% booking amount, with the rest linked to construction milestones under RERA.

2026 is widely considered the year of the “Market Reset.” With incomes now growing faster than home prices in many regions, affordability has reached a three-year high. While mortgage rates are stabilizing above 6%, waiting often results in higher property prices due to steady 4–6% annual appreciation.