Cost & Affordability
The price a builder quotes is rarely what a home costs. See the all-in number — stamp duty, GST, the builder's other charges, society costs and the true cost of your loan — then check it against your income and savings before you commit.
Your home
Government & taxes
Registration is capped at ₹30,000. Non-affordable under-construction GST is 5%, with no input-tax credit.
Builder's other charges on top of the quoted price
₹9.80LSociety & move-in one-time, at handover
₹4.25LHome loan
Can you afford it?
Lenders cap all your EMIs at ~50% of net income. Your loan funds the flat — stamp duty, GST and charges come from savings.
All-in cost to own this home
₹1,19,80,000
Quoted ₹95.00L · +26.1% in charges & taxes you also pay
Can you afford this home?
A stretch
Lenders typically cap this at the 50% marker. Comfortable is under 40%.
You'd need ₹8,80,000more in hand before booking — banks won't fund stamp duty, GST or the builder's extra charges.
Where the money goes
Over 20 years, your loan adds ₹83,82,729 in interest & fees
That's 110% on top of the ₹76.00L you borrow. Your true lifetime cost is ₹2,03,62,729 — shortening the tenure or prepaying cuts this the most.
Line-by-line
| Builder's quoted price | ₹95,00,000 |
| Floor-rise premium | ₹2,50,000 |
| Covered car parking | ₹3,50,000 |
| Club / amenities | ₹1,50,000 |
| Infrastructure / development | ₹2,00,000 |
| Legal & documentation | ₹30,000 |
| Stamp duty6% of agreement value | ₹5,70,000 |
| Registrationcapped at ₹30,000 | ₹30,000 |
| GST5% — under-construction | ₹4,75,000 |
| Advance maintenance (1–2 yrs) | ₹1,20,000 |
| Corpus / sinking fund | ₹2,50,000 |
| Society formation | ₹15,000 |
| Electricity & water meter deposits | ₹40,000 |
| All-in to own (excl. loan interest) | ₹1,19,80,000 |
| Loan interest + processingover 20 yrs | ₹83,82,729 |
| True lifetime cost | ₹2,03,62,729 |
Estimates from the figures you enter, with Maharashtra defaults. Stamp duty, GST and charges vary by city, scheme and builder — confirm against your cost sheet and the sub-registrar before you commit. Not financial advice.