Hidden costs buyers only discover after possession
Okay I'll be honest — I completely underestimated how confusing this process is. I'm a first-time buyer looking at a 2BHK in Shalimar Bagh, possibly from Tony properties, and my head's spinning with hidden costs. My initial budget was around ₹70L, but now I'm realizing stamp duty, registration, and interior work will add so much more. What did you guys realistically budget for these *beyond* the property price? Is 15-20% of the property value a good estimate for all these extras? Also, how critical is getting all legal checks like the encumbrance certificate done *before* booking? The builder is pushing for an early commitment, but I'm worried about missing something important. What are the absolute must-check red flags during site visits that builders won't volunteer? Ab samajh nahi aa raha, any advice helps.
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Okay I'll be honest — I completely underestimated how confusing this process is. I'm a first-time buyer looking at a 2BHK in Shalimar Bagh, possibly from Tony properties, and my head's spinning with hidden costs. My initial budget was around ₹70L, but now I'm realizing stamp duty, registration, and interior work will add so much more. What did you guys realistically budget for these *beyond* the property price? Is 15-20% of the property value a good estimate for all these extras? Also, how critical is getting all legal checks like the encumbrance certificate