Nine Aces

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: 3 BHK · 1071 sq ft at ₹6.00 Cr (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% (₹4.50 Cr here), released stage by stage, so your own money is about ₹1.50 Cr plus stamp duty and GST. Until possession you pay interest only on what the bank has released; after that the full EMI is roughly ₹3.91 L/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.