Home buying checklist

Tick items as you finish them — your progress is saved on this device.

1. Plan your budget

Work out your budget with the affordability calculator Check your credit score (750+ gets better rates) Keep 5–8% of the price aside for stamp duty, registration and fees Get a home-loan pre-approval letter

2. Shortlist homes

List must-haves: area, BHK, parking, schools, commute Save searches and switch on alerts Compare 3–5 homes side by side Check when each listing was last confirmed

3. Visit

Visit in daylight and again in the evening Check water pressure, sunlight, mobile signal and parking Talk to neighbours or the society secretary Note the maintenance charges and what they cover

4. Verify documents

Title deed / chain of ownership (at least 30 years) Encumbrance certificate — no loans or disputes Approved building plan and occupancy / completion certificate RERA registration (for new projects) Latest property tax and society NOC Get a lawyer to review everything

5. Negotiate & pay token

Use comparable prices to negotiate Agree in writing what is included (fittings, parking) Pay the token only by bank transfer, with a receipt that states the terms

6. Home loan

Submit documents to your bank Bank does legal and technical valuation Receive the sanction letter and check the rate and fees

7. Agreement & registration

Sign the agreement for sale Pay stamp duty (higher of agreement or circle rate) Register the sale deed at the sub-registrar with two witnesses Keep certified copies of everything

8. Possession

Inspect the home and list defects before taking keys Transfer electricity, water and property tax to your name Get the society share certificate transferred Update your address for the loan and insurance