What will your home really cost?
The price on the brochure is only the start. Add the extra charges, GST, stamp duty and registration to see the full amount, and how much cash you need.
- Base price + extra charges
- GST
- Stamp duty
- Registration fee
- One-time deposits
- Home loan
- Cash you need
Indicative. GST and stamp duty are worked out on the figures you enter; the developer's cost sheet and your lawyer have the final word. The loan is shown on the base price and extra charges; banks do not usually fund GST, stamp duty or deposits.
What goes into the cost of a flat in Gurgaon
| Cost | What it is | Typical amount |
|---|---|---|
| Base price | Rate per sq ft × super area (or the quoted unit price) | As quoted |
| PLC | Preferential location charge for a better floor, view or corner | Varies by project |
| Car parking, club | Covered parking and club membership, if not included | Varies by project |
| GST | On under-construction homes; not on ready homes with an occupation certificate | 5% (1% for affordable housing) |
| Stamp duty | Paid when the sale or conveyance deed is registered | 7% man, 5% woman, 6% joint |
| Registration fee | Paid to the sub-registrar with the deed | Up to ₹50,000 |
| IFMS, advance maintenance | Refundable or adjustable deposits taken at possession | Varies by project |
Always ask the developer for an all-inclusive cost sheet before you book, and check what is included in the price per sq ft. Our advisors can get it for any project we list.
Questions buyers ask
Is GST payable on a ready-to-move flat?
No. GST applies to under-construction property. A completed flat sold after the occupation certificate (OC) is issued does not attract GST; resale homes do not either.
What GST rate applies to under-construction flats?
5% without input tax credit for regular housing, and 1% for affordable housing (homes up to ₹45 lakh within the carpet-area limits). GST is charged on the agreement value, not on stamp duty or registration.
Is stamp duty charged on the base price or the total?
On the value of the property in the registered deed (including charges such as PLC and parking that form part of the price), or the circle rate value if that is higher. GST is not included in it.
How much cash do I need for a ₹2 crore flat?
With a 75% loan on the price, expect to pay the 25% down payment plus GST (if under construction), stamp duty, the registration fee and deposits yourself. Enter your figures above to see the exact amount.
