The bits of buying a home that actually cost people money
No sales copy and no filler. Each guide covers one thing properly: what it is, what to check, what to ask, and where the process differs by state, bank or developer — because it usually does.
7 guides
- Shortlisting5 min read
How to verify a RERA registration in Karnataka
How do I check whether a project's RERA registration is genuine?
Search the registration number on the state RERA authority's own portal — for Karnataka, the Karnataka RERA site — and check four things: that the project name matches, that the promoter's name matches, that the registration has not expired, and that the phase or tower you are buying in is covered.
Read the guide - Shortlisting6 min read
What khata is, and why A khata and B khata are not the same thing
What is khata, and does it matter whether it is A khata or B khata?
A khata is the municipal record that says a property exists on the tax rolls and identifies who is liable to pay property tax on it.
Read the guide - Booking6 min read
Sale agreement vs sale deed: the difference that costs people money
What is the difference between an agreement for sale and a sale deed?
An agreement for sale (also called an agreement to sell) is a contract in which the seller promises to transfer the property to you on agreed terms — it fixes the price, the unit, the carpet area, the payment schedule and the possession date, but it does not make you the owner.
Read the guide - Exploring7 min read
How much home loan can you actually get?
How much home loan will a bank actually give me?
Two limits apply and the lower one wins.
Read the guide - Exploring7 min read
Under-construction vs ready-to-move: the real trade-offs
Should I buy an under-construction flat or a ready-to-move one?
Under-construction is usually cheaper per square foot, lets you pay in stages, and gives you more choice of unit — at the cost of delivery risk, years of paying rent and loan interest together, and GST on the purchase.
Read the guide - Shortlisting7 min read
Every charge on top of the base price, explained
What do I actually pay on top of the quoted price of a flat?
The advertised rate covers the base price of the apartment.
Read the guide - Visiting7 min read
What to actually check on a site visit
What should I check when I visit a project site?
Check the things a brochure cannot show: the specific unit available to you rather than the sample flat, where the water comes from, the approach road and commute at peak hour, real construction progress against the claimed possession date, and whether the site matches the sanctioned plan.
Read the guide
Or work out where you are
OpenThe guides are organised around the six stages of a purchase. If you are not sure which stage you are in, the journey page works it out from what you have saved and tells you the one next thing to do.
This is general guidance to help you plan, not legal, tax or financial advice. Process, charges and stamp duty vary by state, bank and developer, and rates change. Have a property lawyer read your documents, and confirm every figure before you transact. Pinly does not verify title, and does not perform legal due diligence on your behalf.