True Cost of Buying Calculator
The agreement value is just the starting point. Calculate your full out-of-pocket cost — including every charge builders and banks don't lead with.
1 Property Details
2 Additional Costs
0% (direct)2%
₹0 (bare)₹2,000/sqft (luxury)
3 Home Loan (optional)
Enter property details to see your full cost breakdown — no hidden surprises.
Total Out-of-Pocket Cost
Agreement Value
Extra Charges
Cash Needed Now
Loan Amount
Full Cost Breakdown
Budget tip: Keep 6–12 months of EMI as emergency corpus in addition to these costs. First-time buyers often underestimate interior + corpus + misc charges — plan for these before approaching the bank.
Want a detailed cost breakdown for a specific project?
Our advisors can walk you through builder cost sheets.
Typical Additional Costs — Quick Reference
| Cost Item | Rate | On ₹1 Cr Property |
|---|---|---|
| Stamp Duty (PMC, male buyer) | 6% | ₹6,00,000 |
| Registration Fee | 1% (max ₹30k) | ₹30,000 |
| GST (under-construction only) | 5% | ₹5,00,000 |
| Brokerage | 1–2% | ₹1–2,00,000 |
| Interior & Fit-out (basic) | ₹500–800/sqft | ₹5–8L (1000 sqft) |
| Interior & Fit-out (premium) | ₹1,000–1,500/sqft | ₹10–15L (1000 sqft) |
| Society Corpus | Fixed | ₹50k–2L |
| Car Parking (covered) | Fixed | ₹3–8L |
| Legal / Documentation | Fixed | ₹15–25k |
| Loan Processing Fee | 0.25–1% of loan | ₹8–25k |
Ready-to-move (OC received) properties save 5% GST — a ₹5L saving on a ₹1 Cr property. Factor this into under-construction vs ready comparisons.