The true cost of buying a property in Delhi

The price is only the start. Here's every cost to budget for, with a worked example on a ₹7 Cr builder floor.

Buyers often budget only for the price. In Delhi, the full cost can be 8–10% higher.

The costs

1. Stamp duty — 6% / 4% / 5%
2. Registration fee — 1%, plus a small pasting fee
3. Brokerage — typically 1% plus 18% GST
4. Legal fees — title search and documentation
5. GST — only for under-construction property (5% for most homes)
6. Loan costs — processing fee and valuation
7. Society or RWA transfer charges, where applicable
8. Interiors and moving

Worked example: ₹7 Cr resale floor, male buyer

TDS of 1% is deducted from the price, not added to it.

Calculate yours

Use our total property purchase cost calculator.

Costs people often forget

• Society or RWA transfer charges in apartments
• Utility transfers: electricity and water connections, plus any security deposits
• Lift AMC and shared costs in builder floors
• Insurance for the structure and contents
• Interest during the gap between token and loan disbursement

Planning your own contribution

With a loan, your own funds must cover the gap between the price and the loan (at least 25% for loans above ₹75 lakh), plus all the costs above, because most of them can't be financed.

Example: own funds on a ₹7 Cr floor with a 75% loan

• Down payment: ₹1.75 Cr
• Duty, registration, brokerage and legal: about ₹58 lakh
• Own funds needed ≈ ₹2.33 Cr

Frequently asked questions

Is GST payable on a resale floor? No. GST applies only when you buy from a builder before the completion certificate is issued.

Is brokerage negotiable? Our charges are stated up front. See our charges.