Property buying, home loans, RERA, stamp duty, NRI property rules, rent vs buy decisions, capital gains on property sale — the practical guide for Indian home buyers and investors.
11-phase first-time buyer playbook – financial audit, pre-approval, RERA verification, builder due diligence, agreement negotiation, registration, possession, interiors. Documents, timeline, costs, 12 mistakes.
Two rules govern home loan affordability – 30% EMI cap and 5x income cap. Salary-bracket-wise affordable property price, hidden costs banks ignore, ongoing ownership costs, EMI vs SIP opportunity cost.
Renting vs buying math for Indian metros – 7-10 year break-even, city-by-city comparison, 5 hidden costs of ownership, when buying truly wins, when renting wins. Mumbai/Bengaluru/Delhi/Pune/Chennai data.