The sticker price is only the starting point. Buyers also pay statutory charges, financing costs, moving costs and the long arc of interest over the loan tenure.
Upfront costs
Down payment, stamp duty, registration, TDS, processing fee, legal verification, valuation fee and initial maintenance deposit can all arrive before possession. Under-construction property can also involve GST.
Long-term costs
The EMI includes interest. Over 20 years, interest can rival or exceed the original loan principal. Small changes in interest rate or tenure can change total repayment dramatically.
Living-ready costs
Interiors, appliances, curtains, modular kitchen, wardrobes, parking, shifting, brokerage and society transfer charges are often ignored until late in the process.
Before signing, compare total cash required today, monthly EMI pressure and total lifetime repayment. All three matter.
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