What a new home costs beyond the quoted price

Ask for the base price and every add-on in one written sheet. Depending on the project, this may include floor or view premiums, parking, amenities, deposits, and other charges.

Ask which items are included in the quoted price and which may be added before registration or possession.

Plan separately for stamp duty, registration, and taxes or levies that apply to your purchase. Amounts depend on the property, transaction, and rules in force when you buy.

Check current charges with the Maharashtra Department of Registration and Stamps and confirm the treatment of taxes in the agreement and price sheet.

Include interest, processing fees, legal and valuation charges, insurance if required, and any charges for changing or closing the loan.

Use the lender's Key Facts Statement to compare the annual percentage rate, charges, and repayment schedule, not only the advertised interest rate.

Your monthly plan may also need room for maintenance, property tax, utilities, furnishing, repairs, and a moving budget.

Keep a buffer for costs that do not appear on the builder's price sheet. The right number is the one you can still manage if a cost arrives earlier than expected.

Put the purchase price, charges, loan costs, and first-year ownership costs into one worksheet. Mark every line as confirmed, estimated, or still to be checked.