The price is not the cost
Add about 6% stamp duty, ₹30,000 registration and, for under-construction homes, 5% GST. A ₹1.5 Cr under-construction flat needs about ₹1.67 Cr in all — and the extra ₹17 lakh comes from your savings, not the loan.
Free · 2 minutes · built on live data from 1,637 projects
Plan your buying. A Mumbai home is a long-term investment.
Eight quick questions. See your buying range, the costs nobody mentions, what it buys in each zone, the metro and road projects coming up there, and your commute — then meet Sandeep to talk it through.
Step 1 of 8
Your investment plan
Your buying range: up to
ready
How it comes together
| Home loan in your range | |
|---|---|
| Your own money (savings + sale) | |
| Monthly EMI | |
| Costs on top of the price | |
| Stamp duty (~6%) | |
| Registration | ₹30,000 |
| GST (5%, under construction) | |
| All-in cost | |
Your zones: what it buys, what's coming, your commute
Think ten years, not ten months
A home in Mumbai is held for decades. What moves its value is what gets built around it — a metro station, a new road, an office district. Your zones above show what is already open and what is still coming, with the year it is expected.
Your next steps
Infrastructure from our infra map (status and expected year as published). Indicative: 8.5% interest, 20 years, EMIs up to 50% of take-home, 80% loan-to-value. Zone figures use median developer rates from November 2026. Your bank's figures decide.
Your first planning meeting is with
Sandeep Sadh
“Before you look at a single home, let's sit down and plan it properly. Twenty minutes on your budget, your family's needs and the real numbers saves months of guessing.”
Your preferred day and hour (IST) · our team confirms Sandeep's time · free
Meet
Your plan is shared only with Sandeep, so the meeting starts from your numbers, not from scratch.
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You asked for
Our team will WhatsApp you on to confirm Sandeep's time. Your plan is saved with your request, so the meeting starts from your numbers.
Questions before then? WhatsApp us on +91 98200 67525.
Ground realities
Planning a home purchase in Mumbai
Your loan has a ceiling
Banks usually cap all your EMIs at about half your take-home pay. On ₹1.5 lakh a month that's an EMI of ₹75,000 — roughly an ₹86 lakh loan over 20 years at 8.5%.
Down payment decides more than salary
Banks fund up to about 80% of the value. The other 20% plus all costs are yours. Most buyers who stall are short on this, not on income.
The same budget, very different homes
At median developer rates, ₹1.5 Cr buys about 1391 sq ft in Mira Bhayandar / Vasai Virar, 524 sq ft in Eastern Suburbs, 176 sq ft in South Mumbai. Where you live is the biggest lever you have.
