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✦ Home Buyer Playbook
How to Buy a Home in Mumbai
A complete step-by-step guide — from budget planning to getting the keys. No jargon, no hidden steps.
1
Financial Readiness
Before looking at a single property, get your finances crystal clear. Most
buyers skip this and regret it later.
Set your total budget (not just agreement value — include stamp duty, registration, GST,
parking, interiors)
Calculate comfortable EMI (should never exceed 35–40% of monthly income)
Check home loan eligibility with 2–3 banks
Arrange down payment (20% is ideal — banks lend up to 80%)
Account for existing EMIs — they reduce your eligibility
💡 First-time buyer tip: The listing price is NOT the total cost.
Expect 12–18% extra for stamp duty, registration, GST (if under-construction), parking, and
interiors.
