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Guide

Home Buying Guide

End to end, from budget to registration.

Updated 17 August 2026

Your numbers

₹2 L
₹20,000₹2,00,000₹1 Cr
₹0₹0₹20 L
₹25 L
₹0₹25,00,000₹20 Cr
58.5%15
520 years30
Property you can afford
₹89,28,571
Loan you qualify for
₹71,42,857
Down payment (20%)
₹17,85,714
Stamp duty, registration & other costs (~8%)
₹7,14,286
Total cash needed upfront
₹25,00,000
Monthly EMI
₹61,987
Constrained by
Your savings

What this means.Most affordability calculators ignore the 8–12% that sits on top of the price: stamp duty, registration, GST on under-construction, brokerage, interiors and society charges. Budget for those or you will be short at possession.

Questions

Is this property information specific to India?

Yes. Everything on Credsir is written for Indian regulation, Indian tax law and Indian products — RBI rules, IRDAI norms, SEBI regulation and the current financial year’s income tax provisions.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.