Guides

We don't offer services—but we do empower you with knowledge. Our guides highlight the key checks and smart steps every buyer should take before finalizing a property purchase.

Essential Guides for Buyers

Learn what to look out for—so you stay informed, protected, and confident in your decisions. These guides are simple, practical, and based on real buyer experiences.

Legal Checks You Must Do

A checklist of documents and approvals you should personally verify to avoid legal troubles later. Don't rely blindly on builders—know your rights.

  • Verify RERA registration at rera.maharera.maharashtra.gov.in or your state's RERA portal
  • Check Encumbrance Certificate (EC) for the last 15 years — confirms no loans or disputes on land
  • Verify approved building plan from local municipal authority
  • Confirm land title — ensure builder has clear ownership, not just development rights
  • Check Occupancy Certificate (OC) for ready properties — without OC, possession is illegal
  • Verify all tax dues on the property are cleared before registration
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What to Inspect in a Property

Key tips for physically inspecting a property—structure, water seepage, fittings—before making any payment.

  • Check all walls and ceilings for cracks, seepage stains, or damp patches — especially in monsoon
  • Test every tap, flush, and drainage point for water pressure and flow
  • Check all windows and doors open/close properly and have proper seals
  • Inspect electrical points, switches, and DB box — ensure they are as per approved plan
  • Verify flooring for levelness, chips, or hollow spots by tapping
  • Check common areas — lobby, staircase, parking — condition reflects builder quality
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Know Your Loan

Understand how home loans work, hidden charges to watch out for, and why you should read every clause in your sanction letter.

  • Compare at least 3 banks — interest rate difference of even 0.25% matters over 20 years
  • Read the sanction letter fully — check processing fee, prepayment penalty, and foreclosure charges
  • Understand the difference between fixed and floating rate — most Indian home loans are floating
  • Ensure EMI does not exceed 40% of your monthly take-home salary
  • Check if the builder is on the bank's approved list — speeds up disbursement
  • Keep 10-15% of property cost as buffer for registration, GST, and interior expenses
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Protecting Yourself Legally

Simple steps to safeguard your investment—covering agreement clauses, penalty terms, and dispute resolution basics.

  • Never pay in cash — always through bank transfer with proper receipts
  • Ensure Sale Agreement mentions penalty clause for builder delay
  • Check if the agreement mentions all amenities promised in the brochure
  • Register the Sale Agreement at sub-registrar office — unregistered agreements have no legal standing
  • Keep all payment receipts, emails, and communications in one folder
  • File RERA complaint if builder delays possession beyond agreed date — it is your legal right
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Negotiation Do's & Don'ts

How to confidently negotiate pricing, payment plans, and freebies without falling for common traps.

  • Do compare prices of at least 3-4 nearby projects before negotiating
  • Do ask for freebies — car parking, modular kitchen, clubhouse membership are commonly negotiated
  • Do negotiate at end of financial year (March) or during festive season — builders offer better deals
  • Don't fall for "limited period offer" pressure — it is almost always a sales tactic
  • Don't pay more than 10% as token amount before signing a proper sale agreement
  • Don't skip legal verification just because the price seems very attractive
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Reading Reviews Effectively

Learn how to interpret reviews and identify genuine buyer feedback to make smarter, unbiased decisions.

  • Look for reviews that mention specific details — floor number, possession date, actual defects — these are more credible
  • Be cautious of reviews that are only extremely positive or only extremely negative with no specifics
  • Check if the reviewer mentions timeline — a review from 3 years ago may not reflect current builder quality
  • Look at the pattern across multiple reviews — one complaint may be isolated, five complaints about the same issue is a red flag
  • Pay attention to how the builder responded (if at all) — response quality reflects builder attitude
  • Cross-reference with RERA portal to verify if the project is registered and complaints have been filed
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