Step-by-step rupee calculations for buyers and sellers, plus document and negotiation checklists for each stage of the deal.
This section puts the rules into numbers. Each guide follows a single deal from start to finish and shows the arithmetic line by line: the stamp value, the duty and registration fee, the broker's bill with GST, the TDS the buyer deducts, the capital gain and the tax on it, and what the seller is finally left with.
Begin with the worked example of the total cost of buying a flat, which links to every guide here. The others cover the seller's net proceeds, saving capital gains tax through Sections 54 and 54EC, a resale purchase document checklist, new launch versus resale costs, hidden transfer charges such as society fees and mutation, negotiating a broker agreement, and buying jointly or in a woman's name.
The stamp duty calculator, brokerage and net proceeds calculator and property TDS calculator use the same formulas as the guides. All amounts in the examples are illustrative, not quotes.
Cost Calculations and Checklists
How the women's stamp duty concession works in Delhi, Maharashtra and other states, what joint ownership does to the saving, plus home loan, capital gains and benami points.
Cost Calculations and Checklists
The smaller charges that add up after you buy a flat in India: society transfer premium, share certificate, NOC, corpus fund, maintenance, mutation or khata, utility deposits and repairs.
Cost Calculations and Checklists
A clause-by-clause guide to agreeing a broker's fee in India: rate, GST, cap, trigger, exclusivity, refunds and services, with negotiation scripts and a worked saving example.
Cost Calculations and Checklists
Compare the full cost of an under-construction flat, a ready flat from a builder and a resale flat in India: GST, stamp duty, brokerage, pre-EMI, rent while waiting and risk.
Cost Calculations and Checklists
The documents to check when buying a resale flat in India: title chain, encumbrance certificate, OC, society NOC and share certificate, tax receipts, loan closure, and when to ask for each.
Cost Calculations and Checklists
How sellers in India reduce tax on a long-term property gain by buying another house (Section 54), investing in 54EC bonds or using 54F, with time limits, caps, lock-ins and worked numbers.
Cost Calculations and Checklists
A seller's line-by-line calculation: sale price, brokerage with GST, loan closure, society dues, TDS credit and capital gains tax, ending with the money left in your account.
Cost Calculations and Checklists
Add up the real cost of buying a home in India: price, stamp duty, registration, GST, brokerage, legal, society, loan charges and moving in, with two worked examples in rupees.
