Lotus Arc One

This is just an example of the cash flows for buying a home, not a quote or a payment demand. Your agreement and the developer's schedule decide the actual amounts.

In an under-construction project, you don't pay everything on day one. Under the MahaRERA model agreement, the developer can only ask for money as each stage is finished: about 10% at booking, 30% at agreement, then more as the plinth, slabs, walls, fittings and lifts are done, and the last 5% at possession. The more a building is finished, the more you pay up front.

Example: Office Space · Call for area details at Call for price (the price recorded above).

1. ✓ Plinth complete45% paid by then
2. ✓ Slabs complete70% paid by then
3. ○ Walls, plaster & flooring75% paid by then
4. ○ Sanitary fittings80% paid by then
5. ○ Staircases, lift wells & lobbies85% paid by then
6. ○ Lifts, pumps, plumbing & elevation95% paid by then
7. ○ Possession100%

With a home loan: banks usually fund up to 75% (Call for price here), released stage by stage, so your own money is about Call for price plus stamp duty and GST. Until possession you pay interest only on what the bank has released; after that the full EMI is roughly Call for price/month (8.5%, 20 years).

Indicative only. Rates, GST (1% on affordable homes), loan eligibility and the stage schedule vary. Plan your cash flow with an advisor before you book.