Real estate FAQs for homebuyers
Answers to common questions about buying property, RERA, home loans, site visits, pricing and working with BNK Realtor.
Find answers to common property buying questions about documents, brokerage, home loans, registration, RERA checks, site visits, project comparison and working with BNK Realtor.
Property buying questions and answers
What documents do I need to buy a property?
Essential documents include Identity Proof (Aadhar/PAN), Address Proof, Income Proof (ITR/Salary Slips), and Bank Statements. For the property itself, you'll need the Sale Deed, Mother Deed, Building Plan Approval, and Encumbrance Certificate.
Do you charge a brokerage fee?
Our brokerage fee structure is transparent and competitive. For residential purchases, we typically charge a standard percentage of the transaction value. Please contact our team for specific details related to your property type.
Can you help with home loans?
Yes, we have tie-ups with major banks and financial institutions including SBI, HDFC, and ICICI Bank. We assist our clients in getting quick loan approvals with the best interest rates.
Do you handle property registration?
Absolutely. Our legal team guides you through the entire registration process, including drafting the sale deed, payment of stamp duty, and registration at the sub-registrar's office.
What is included in the total cost of buying a flat?
The total property cost may include the base price, floor-rise charges, parking, clubhouse or amenity charges, maintenance deposit, corpus fund, legal or administrative fees, GST where applicable, stamp duty and registration charges. Always request the latest itemised cost sheet before booking a property.
What is the difference between carpet area and super built-up area?
Carpet area is the usable floor area inside the apartment, excluding external walls and certain common areas. Super built-up area generally includes the apartment area along with a proportionate share of common spaces. Buyers should compare properties using carpet area, total cost and price per usable square foot.
Is buying property through an authorised channel partner safe?
Buying through an authorised channel partner can make project discovery, comparison and site-visit coordination easier. However, buyers should still verify the developer's authorisation, RERA details, project documents, cost sheet and sale agreement independently. A channel partner's assistance does not replace legal, financial or document due diligence.
How can I calculate my home loan EMI before buying a property?
Home loan EMI depends on the loan amount, interest rate and repayment tenure. Use a home loan EMI calculator to estimate your monthly payment and total interest. Also budget separately for the down payment, stamp duty, registration, taxes, maintenance deposits and other purchase-related charges.
What is the difference between a booking amount and a down payment?
A booking amount is generally paid to reserve a selected property or unit, subject to the developer's terms. A down payment is the buyer's contribution towards the purchase price, usually paid from personal funds rather than the home loan. Confirm the payment schedule, refund terms and cancellation conditions in writing.
What are the common additional charges when buying a flat?
Common additional charges may include parking, floor-rise charges, clubhouse or amenity fees, maintenance deposits, corpus fund, electricity or water connection charges, legal fees, GST where applicable, stamp duty and registration charges. Ask for a complete written cost sheet so the final property cost is clear before making a payment.
What is RERA and how can I check a project's RERA registration?
RERA is a regulatory framework created to improve transparency in real estate. Before buying a property, verify the project's RERA number, promoter name, registered phase, approved plans and possession date on the official state RERA website.
What are stamp duty and property registration charges?
Stamp duty is a government charge payable on the property transaction, while registration charges are paid to officially record the sale. The applicable amount depends on the state, property value, location, ownership type and government rules.
How long does property registration take?
Property registration time depends on document readiness, payment completion, appointment availability and the local registration office. Buyers should confirm the required documents, appointment process and applicable charges before scheduling registration.
What is a sale deed and why is it important?
A sale deed is the legal document that records the transfer of property ownership from the seller to the buyer. It should accurately mention the parties, property description, sale value, payment details, title information and agreed terms.
What is an occupancy certificate and why is it important?
An occupancy certificate confirms that a completed building complies with approved plans and can be occupied, subject to local regulations. Buyers should check whether the certificate applies to the relevant tower or project phase.
Helpful BNK Realtor links
- Contact BNK Realtor
- Calculate EMI
- Read buying guides
- Browse Bangalore localities
- Browse Bangalore builders
- Compare projects
Continue your property research
For the best buying decision, compare the exact project location, unit size, all-inclusive price, RERA phase, possession date, construction progress, daily commute and payment plan. BNK Realtor's city hubs, locality pages and guides connect these checks so buyers can shortlist with more confidence.
When you are ready to act, request the latest availability, dated cost sheet, payment schedule, project documents and site-visit options so that online research turns into a verified shortlist.