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BUYBLOC Guides
388 guides. Locality guides from Kokapet to Uppal, home loans and stamp duty, title and RERA checks, construction quality, and life after possession — associations, tenants and resale. Filed by where you are in the process.
Telangana charges 4% stamp duty, 0.5% registration and 1.5% transfer duty on a sale deed — 6% of consideration or market value, whichever is higher. Worked example inside.
When a floating rate falls, lenders typically reduce the EMI by default. An overview of the alternative and how the two differ.
In the early years of a home loan, most of each instalment is interest. An explanation of the mechanism and what it implies for prepayment.
An overview of the most commonly described prepayment habit — a single additional instalment annually, applied to principal.
The choice is generally described as a question of who carries interest rate risk, rather than a forecast of where rates will go.
Extending tenure lowers the monthly instalment and raises total interest. An overview of how the two interact.
Credit records influence both approval and the rate offered. An overview of how lenders use them and the typical repair timeline.
Adding a co-applicant raises eligibility and creates joint liability. An overview of how ownership, repayment and exit interact.
A pre-approval signals that a buyer can close. An overview of what it involves and how it affects a purchase conversation.
A tripartite agreement binds buyer, developer and lender before a completed property exists to mortgage. An overview of its function.
Construction-linked, down payment and subvention plans distribute delay risk differently. An overview of each structure.
Pre-launch pricing precedes approvals and registration. An overview of what the stage involves and what the discount is understood to price.
The quoted price is one line in a longer list. An overview of the charges, deposits and fit-out costs that make up the total.
The rent-versus-buy comparison depends on holding period, rent-to-price ratio and the return on an invested down payment.
Property returns arrive as cash flow and as capital growth. An overview of how the two differ and which properties favour each.
Entry and exit costs in property are large and front-loaded, which is why short holding periods are analysed differently.