Buyers usually budget carefully for the price and the down payment, then get surprised at registration. Most of the extra costs must be paid in cash, because lenders generally do not fund them.
Government charges
- Stamp duty is set by each state and can differ for men, women and joint buyers. It is normally charged on the higher of the agreed price and the government’s circle-rate value.
- Registration fee is payable to the sub-registrar; some states cap it.
Rates are revised from time to time, so check the current notification for your state. Our total purchase cost estimator uses the rates configured by our team and shows every assumption.
Professional fees
- Brokerage, if you use an agent — agree the rate in writing.
- Legal fees for title search and drafting the agreement and deed.
- Loan processing fees and the valuation and legal charges your lender passes on.
Property-specific costs
- Society transfer charges or membership fees, where applicable.
- Authority transfer charges for leasehold property.
- Advance maintenance, utility deposits and name-change fees.
- Repairs and refurbishment — even a well-kept home usually needs something.
A simple rule
List every cost with the seller and your lawyer before the agreement, and keep a cash buffer for items that surface late. Use the estimator on each property page to see the indicative total for that listing.
General information only. Charges vary by state, authority, society and lender.
