Step 1: The whole journey and your real budget
A First-Time Buyer’s Guide to Buying a Flat in India (2026 Update)
A step-by-step guide to buying a flat in India, with a Delhi NCR focus. It covers budget, home…
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Start here: your first home, step by step
Buying for the first time? Read these 8 guides in order, from setting a budget to taking possession.
Step 2: Home loan
Home Loan Eligibility and Documents in India: A Delhi NCR Guide
How lenders judge income, FOIR, credit score and loan-to-value, how much loan your salary supports, which documents to…
Step 3: Choosing the builder and project
How to Check a Builder’s Track Record in Delhi NCR: RERA, NCLT and Site Checks
A free, step-by-step method to vet an NCR developer before booking: RERA's five-year project disclosure, UP RERA's NCLT…
Step 4: Title and documents
Encumbrance Certificate and Title Search in UP, Haryana and Delhi: Where to Check Before You Buy
How to check whether an NCR property carries a mortgage, case or unpaid dues: IGRSUP and khatauni in…
Step 5: Booking amount and allotment
Allotment Letter and RERA’s 10 Percent Rule: What You Can Be Asked to Pay Before the Agreement
How RERA Section 13 limits the booking amount to 10 percent before a registered agreement for sale, what…
Step 6: The builder-buyer agreement
Builder Buyer Agreement Clauses NCR Buyers Must Check
Possession dates, delay interest, forfeiture, carpet-area changes, parking and escalation: what the UP and Haryana RERA rules say,…
Step 7: Stamp duty and registration
Stamp Duty in NCR 2026: Delhi vs UP vs Haryana vs Rajasthan Compared
Side-by-side 2026 stamp duty and registration rates for Delhi, Noida and Ghaziabad, Gurugram and Faridabad, and Bhiwadi, with…
Step 8: Possession and the OC
Flat Possession Checklist: Snag List Before You Take Handover
A practical flat possession checklist for Delhi NCR buyers: a room-by-room snag list, the documents to collect, what…
Planning and budget
What a home really costs, how much you can borrow, and ready versus under-construction.
Home buying
Hidden Costs of Buying a Noida Flat: PLC, IFMS and More
The brochure price is only the start. This guide goes through each extra charge on a Noida, Greater Noida West or Greater…
Home buying
Ready-to-Move vs Under-Construction Flats in NCR: Costs and Risks
Compare ready-to-move and under-construction flats in Delhi NCR on GST, stamp duty, rent-plus-EMI overlap and RERA delay protection, with worked numbers and…
Home buying
Construction-Linked vs Down Payment vs Possession-Linked Plans: Choosing a Payment Plan in NCR
How construction-linked, down payment, possession-linked and subvention plans work in NCR projects, what RERA allows, and how to compare a discount against…
Choosing where to buy
Localities, sectors and corridors compared: commute, schools, water, flood risk and prices.
Neighbourhood insights
Noida vs Gurgaon for Living: Which Is Better? Costs and Commute
A mid-segment family comparison of Noida and Gurugram on rent, home prices, stamp duty, school fees, metro coverage and commute, with worked…
Neighbourhood insights
Dwarka Expressway Sectors Compared: A Sector-by-Sector Guide for 2026
Dwarka Expressway is not one market. This guide compares its sector clusters, from Sectors 110A-115 at the Delhi end to 88-90 near…
Neighbourhood insights
Greater Noida West Sectors Compared: A Sector-by-Sector Buyer’s Guide
How Sectors 1, 2, 3, 4, 10, 12, 16, 16B, 16C and Techzone 4 in Greater Noida West differ in product, project…
Checking a project
RERA registration, licences, land records, occupancy certificates and your rights when things go wrong.
Home buying
How to Do a UP RERA Registration Check: Step-by-Step Guide
A practical guide to checking a project on the UP RERA portal before you pay. It covers the search steps, how to…
Home buying
How to Check a Project’s HRERA Registration in Gurugram (2026)
A step-by-step guide to verifying HRERA registration in Gurugram before you pay a booking amount. It covers the search, exemptions, extensions, delay…
Home buying
Occupancy Certificate and Completion Certificate: Why They Matter
What the occupancy and completion certificates are, who issues them in UP and Haryana, the 2024 to 2026 rule changes, and how…
Paying and paperwork
Loans, GST, TDS, stamp duty, circle rates and the registry, state by state.
Home buying
IGRSUP Property Registration in UP: An Online Step-by-Step Guide
How to register a flat or plot in Uttar Pradesh through IGRSUP: online application, e-stamp, fees, appointment, Aadhaar authentication from February 2026,…
Home buying
Property Registration in Gurugram: Steps, NDC and Documents
A plain-English walkthrough of the property registration process in Gurgaon and Faridabad. It covers the property-tax NDC, Section 7A NOC, e-stamp, appointment,…
Home buying
TDS on Property Purchase 26QB: Pay 1% via Form 141 (Delhi NCR)
Buying a flat or plot worth ₹50 lakh or more in Delhi NCR? Here is who deducts 1% TDS, how to pay…
After possession
Registry and mutation, society charges, repairs, interiors and upkeep once you have the keys.
Home buying
Conveyance Deed After Possession: Registry Timelines, Costs and Delays in Noida and Gurugram
When the builder must register your flat after possession, why registries stall in Noida and Greater Noida, what the 2023 UP rehabilitation…
Home buying
Property Mutation in UP After Registry: How to Apply (Dakhil Kharij)
Registry makes the sale legal on paper, but your name must still reach the authority or revenue record. Here is how mutation…
Home buying
IFMS Handover to AOA: What Builders Must Transfer in Noida
IFMS is a one-time maintenance deposit, not your monthly bill. This guide covers when a builder must hand over to the AOA…
Selling and tax
Resale prices, transfer charges and the capital gains tax on selling a flat.
Property investment
Capital Gains Tax on Sale of Flat: 12.5% Rule & Section 54
A plain-English guide to capital gains tax on sale of flat in Delhi NCR. It covers short vs long term, 12.5% vs…
Home buying
Transfer Charges on Resale Flats in Noida: TM Rules and Costs
Buying a resale flat in Noida or Greater Noida means paying a Transfer Memorandum (TM) charge to the Authority, on top of…
Market trends
How to Find Real Transaction Prices in NCR, Not Asking Prices
Asking prices on portals can be far from what buyers actually pay. Here is how to use registry records, circle rates and…
Renting
For tenants and landlords: agreements, deposits, police verification and tenancy law.
Home buying
Renting a Flat in Noida: A Tenant’s Guide (2026)
What tenants in Noida need to know in 2026: the High Court ruling on UP's tenancy law, rent agreement and stamp duty…
Home buying
Tenant Police Verification Online in Noida, Gurugram & Delhi
A plain-English guide to tenant police verification online in Delhi, Noida, Ghaziabad, Gurugram and Faridabad. It covers who files, the portals, documents,…
Property investment
Rent Agreement in Gurgaon: Stamp Duty, Registration and Deposit
A practical guide to a rent agreement in Gurgaon: 11-month vs registered leases, e-stamp duty, security deposit norms, TDS on high rents…
Investing
Rental yields, plots versus flats, authority schemes and buying from abroad.
Property investment
Plot vs Flat Investment in NCR: Which Is Better in 2026?
Plots and flats in Delhi NCR differ sharply on rent, holding costs, construction deadlines, tax and resale. Here is a balanced comparison…
Market trends
Why NCR Rental Yields Are Low and What It Means for Buyers
Delhi NCR homes earn only about 3% to 4.3% gross rent a year, and less after costs and tax. Here is why,…
Property investment
NRI Guide to Buying Property in Noida and Gurugram (2026)
A plain-English guide for NRIs buying a home in Noida or Gurugram. It covers FEMA rules, NRE/NRO payments, power of attorney, home…
Latest guides
Home buying
How to Check a Builder’s Track Record in Delhi NCR: RERA, NCLT and Site Checks
A free, step-by-step method to vet an NCR developer before booking: RERA's five-year project disclosure, UP RERA's NCLT and de-registered lists, IBBI insolvency records, RERA orders and visits to delivered projects.
Home buying
Encumbrance Certificate and Title Search in UP, Haryana and Delhi: Where to Check Before You Buy
How to check whether an NCR property carries a mortgage, case or unpaid dues: IGRSUP and khatauni in UP, jamabandi and NDC in Haryana, DORIS and the Revenue…
Home buying
Transfer of an Under-Construction Flat: Buying from the Original Allottee in Noida and Gurugram
How an under-construction flat moves from the first allottee to a new buyer: RERA rights of the subsequent allottee, builder endorsement, loan takeover, Noida transfer charges, TDS on…
Home buying
Allotment Letter and RERA’s 10 Percent Rule: What You Can Be Asked to Pay Before the Agreement
How RERA Section 13 limits the booking amount to 10 percent before a registered agreement for sale, what an allotment letter or EOI really binds you to, and…
Home buying
Cancelling a Flat Booking: Refunds, Forfeiture Limits and Process Under UP RERA and HRERA
How much you get back when you cancel a flat in Noida or Gurugram: builder-default versus buyer-default rules, UP's 45-day and one-year refund timetable, Haryana's forfeiture cap, and…
Home buying
Conveyance Deed After Possession: Registry Timelines, Costs and Delays in Noida and Gurugram
When the builder must register your flat after possession, why registries stall in Noida and Greater Noida, what the 2023 UP rehabilitation package changed, and how to push…
Home buying
Part Occupancy Certificate: What a Partial or Conditional OC Means for Your Flat
Many NCR projects get occupancy certificates tower by tower. What a part OC or conditional OC means for possession, utilities, registry, delay interest and maintenance, with Noida and…
Home buying
Home Loan for an Under-Construction Flat in NCR: Tranches, Pre-EMI and the Tripartite Agreement
How banks disburse home loans for under-construction flats in stages, the pre-EMI versus full EMI choice with worked numbers, the tripartite agreement, and what the 2025 and 2026…
Home buying
Stamp Duty in NCR 2026: Delhi vs UP vs Haryana vs Rajasthan Compared
Side-by-side 2026 stamp duty and registration rates for Delhi, Noida and Ghaziabad, Gurugram and Faridabad, and Bhiwadi, with concessions for women, Rajasthan's surcharges and a Rs 1 crore…
Home buying
GPA Property Sales in Delhi NCR: The Suraj Lamp Ruling, the Risks and How to Regularise
Why agreement-GPA-will bundles do not transfer ownership after the Supreme Court's Suraj Lamp judgments, what rights a GPA buyer still has, and how PM-UDAY and other routes can…
Home buying
HSVP Plot E-Auctions in Gurugram and Faridabad: EMD, Payment Deadlines and After Allotment
How HSVP e-auctions for residential plots work: 5 percent EMD, bid increments, the 10, 15 and 75 percent payment deadlines, possession, building plans, transfer permission and surrender rules.
Home buying
DDA Flat After Allotment: Demand Letter, Payment Deadlines, Possession and Conveyance Deed
What happens after you book a DDA flat: the demand-cum-allotment letter, the 60 plus 30 day payment windows, loan intimation, possession documents, the conveyance deed and when you…
Home buying
Buying a Resale Flat in Gurgaon: Documents, Checks and the Registry Process
The documents to collect for a resale flat in Gurugram, the difference between a registered resale and an allotment transfer, and the paperless registration steps in Haryana.