Calculate home closing costs
In India: Stamp duty (5-7% varies by state), Registration (1-2%), Legal fees (0.5-1%), Loan processing (0.5-1%), GST on under-construction (5%), and brokerage (1-2%). Total: 8-12% of property value.
Stamp duty is a tax on property transactions, varying by state (5-7% typically). Some states offer concessions for women buyers (1-2% less) or first-time buyers. Paid before registration.
Stamp duty and registration are fixed by government. Negotiable items: brokerage (can negotiate to 1% or flat fee), loan processing fees (some banks waive), and legal fees. Shop around for best rates.
Stamp duty and registration: at document registration. Loan processing: at loan disbursement. Brokerage: typically at possession or as agreed. Budget these in advance—they're due before you move in.
Generally no—closing costs must be paid separately from the home loan. Some lenders offer slightly higher loan amounts to help, but stamp duty and registration must be paid from own funds.
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