Hidden Costs of Buying a Home — Total Cost of Ownership Calculator
The advertised price of a property is just the starting point. When buying a home in India, you encounter numerous additional costs that can add 8-15% to the base price. These include stamp duty, registration charges, GST (for under-construction properties), brokerage, legal fees, home loan processing fees, and initial maintenance deposits. This calculator helps you estimate the true all-in cost of your property purchase.
Hidden costs as % of base price
How It Works
Enter the base property price and the calculator estimates each additional cost component: stamp duty and registration (state-specific rates), GST (5% for affordable housing, 12% for others on under-construction properties), brokerage (typically 1-2%), legal and documentation fees, home loan processing charges, and initial maintenance/sinking fund deposits. The result shows a detailed breakdown and the total all-in cost.
Frequently Asked Questions
Ready to evaluate this deal?
PropHisaab lets you model, project, and compare property deals side-by-side with full IRR, cashflow, and tax analysis. Free, forever. Your data stays on your device.