Guides · Before you buy
Before you buy · 5 min readHidden Charges in New Flats
Reviewed against MahaRERA rules · Informational, not legal advice
The short version: The quoted price is rarely what a home costs. Between taxes, builder extras and the true cost of your loan, the real number is often ₹15–25 lakh higher. Here's where it hides.
The charges beyond the quote
1
Stamp duty & registration
Around 5–6% (plus metro cess in some cities) of the agreement value, plus registration.
2
GST
5% on under-construction (1% for affordable housing); nothing on a ready, OC-received home.
3
Floor-rise & preferential-location charges
A premium for higher floors and better-facing flats.
4
Car parking
Often a large add-on, quoted separately from the flat.
5
Club, amenities & infrastructure charges
One-time contributions for the clubhouse and development.
6
Legal & documentation
The builder's legal and paperwork fees, passed to you.
7
Society & move-in costs
Advance maintenance, corpus / sinking fund, society formation, and meter deposits.
8
The true cost of your loan
The processing fee, plus the interest you'll pay over the whole tenure — often more than the flat itself.
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This guide is general information to help you ask better questions — it is not legal advice, and it doesn't replace your own advocate or the official MahaRERA portal. Rules, rates and builder practices vary; always verify against the current MahaRERA record and your project's documents before acting.