Frequently Asked
Questions

The typical process is: 1) Decide budget and corridor -- account for stamp duty (5-7%), registration charges (1%) and home loan processing fees on top of the property price. 2) Shortlist projects -- check RERA registration, builder track record and possession timeline. 3) Site visit -- inspect the unit, floor, view and construction quality. 4) Negotiate and book -- pay a booking amount (typically 10% of the property value). 5) Sign the Builder-Buyer Agreement -- have a lawyer review before signing. 6) Home loan sanction -- if required. 7) Pay construction-linked plan -- instalments linked to construction milestones. 8) Possession and registration -- inspect the flat before taking possession, then register the property at the sub-registrar office.

Chanchals supports you through every step -- from shortlisting to registration.

Beyond the basic sale price, budget for:

• Stamp Duty: 5% in Haryana (Gurugram) and 7% in Uttar Pradesh (Noida/Greater Noida) for women buyers; men pay slightly more in Haryana
• Registration charges: 1% of the property value in both states
• GST: 5% on under-construction properties (no GST on ready-to-move flats)
• Maintenance deposit: typically 2 to 5 years of maintenance upfront
• Parking charges: Rs 3 to 10 Lakhs depending on project
• Home loan processing fee: 0.5 to 1% of the loan amount

As a thumb rule, add 8 to 12% to the quoted property price to arrive at your all-in cost.

Ready-to-move: You can see exactly what you are getting, there is no GST, possession is immediate and there is no builder delivery risk. The trade-off is a higher price per sqft.

Under-construction: Lower entry price (10 to 20% cheaper than comparable ready units), more units and floor choices available, and a construction-linked payment plan that spreads your cash outflow over 2 to 4 years. The risk is delayed possession -- check RERA timelines and the builder's delivery history carefully.

Our recommendation depends on your timeline. If you need to move in within 12 months, choose ready-to-move. If you can wait and want to maximise capital appreciation, a well-verified under-construction project in the right corridor can outperform.

Yes -- negotiation is always possible, though the room varies by project and market timing. In general:

• New launches often have pre-launch pricing 10 to 15% below the official launch price for early bookings
• Established projects with unsold inventory are more negotiable -- especially on parking, maintenance waiver or freebies
• EOD (end-of-day) and EOM (end-of-month) bookings sometimes yield better prices as builders hit targets
• Cash-ready or own-funds buyers (not dependent on loans) have stronger negotiating positions

Chanchals negotiates directly with builders on behalf of buyers -- this is one of the most tangible benefits of working with us.

Under RERA, if the builder delays possession beyond the committed date in your agreement:

• You are entitled to compensation at SBI MCLR + 2% on your paid amount for every month of delay
• You can file a complaint with HRERA (for Gurugram) or UP RERA (for Noida/Greater Noida) online
• You can also seek a full refund with interest if the delay exceeds a reasonable period

This is why Chanchals only lists projects from builders with strong possession track records. If you are already in a delay situation with a project, contact our legal team for guidance.

Yes. NRIs can purchase residential and commercial property in India subject to FEMA regulations. You can:

• Buy using NRE/NRO account funds or take an NRI home loan from Indian banks
• Issue a Power of Attorney (POA) to a trusted person in India to sign documents on your behalf
• Complete site visits virtually through our video tour service before travelling to India

Chanchals has handled multiple NRI buyer transactions. We coordinate virtual site visits, POA guidance and end-to-end documentation remotely. WhatsApp us to get started.

It depends on your budget, use case and risk appetite:

• Best capital appreciation (2026): Dwarka Expressway (Gurugram) and Golf Course Extension Road -- infrastructure is complete and supply is tight
• Best rental yield: Sector 150 Noida and Golf Course Extension Road -- high occupancy from corporate tenants
• Best value per sqft: Greater Noida West and Sohna Road -- still undervalued relative to better-known corridors
• Best for end-use: New Gurgaon (good schools, hospitals, malls) and Noida Expressway (clean, planned sector layout)

We recommend a free consultation before deciding -- the right choice depends on factors specific to your situation. Book a call here.

Yes. While our primary focus is on new/primary developer projects, we also assist buyers with resale properties on select corridors. The key difference with resale is that you must independently verify the title chain, any existing loan against the property, and society NOC requirements. Our legal team can guide you through this process. Get in touch with your requirement and we will advise on the best options.

RERA (Real Estate Regulatory Authority) is a central government regulation introduced in 2016 that makes it mandatory for developers to register projects before advertising or selling. A RERA-registered project means:

• The builder has deposited 70% of collected funds in a separate escrow account -- reducing the risk of the project being abandoned
• The promised possession date is legally committed and compensation is payable for delays
• Carpet area is defined and verified independently, protecting you from inflated super-built-up area claims
• You can file a complaint with the RERA authority if the builder defaults on any commitment

Chanchals only lists RERA-registered projects. The RERA number for each project is displayed on its listing page. You can verify it independently on haryanarera.gov.in (for Gurugram) or up-rera.in (for Noida/Greater Noida).

Never sign a Builder-Buyer Agreement without checking these key clauses:

• Carpet area definition: Ensure the agreement specifies carpet area, not super-built-up area
• Possession date: Must be specific -- day/month/year -- not vague ("within 36 months of construction commencement")
• Delay penalty: Builder should pay compensation for delays; the agreement should specify the rate
• Force majeure clause: Should be narrowly defined, not a blanket "any reason whatsoever"
• Price escalation clause: Ensure the final price is fixed with no escalation for material or labour costs
• Cancellation and refund terms: What happens if you need to cancel, and within what timeline is the refund made

Our legal team reviews BBAs for Chanchals buyers. Ask us to review yours before signing.

For new builder projects, the RERA registration itself involves a title check -- the RERA authority does not register a project with disputed land. However, for additional protection:

• Ask the builder for the land ownership document (sale deed or lease deed from HRERA/DMIC/GNIDA as applicable)
• Check the encumbrance certificate at the sub-registrar office to confirm no existing mortgage on the land
• For resale properties, commission an independent title search (advocate fee: Rs 3,000 to 10,000) covering the last 30 years

Stamp duty and registration are paid at the time of property registration at the sub-registrar office, which typically happens at or after possession for under-construction properties.

• Haryana (Gurugram): Stamp duty is 5% for women buyers, 7% for men (or 6% jointly). Registration charges are 50,000 flat for properties above 50L
• UP (Noida/Greater Noida): Stamp duty is 6% (women get 10,000 rebate on total duty), registration is 1% of property value

Both can be paid online via the respective state government portals. Your registration can be done at the sub-registrar office with your builder, or through a court/advocate for resale. Chanchals coordinates the registration process for all buyers we serve.

An Occupancy Certificate (OC) is issued by the local development authority (HRERA, GNIDA, etc.) certifying that the building has been constructed as per approved plans and is safe for occupation. Without an OC:

• The building is technically illegal for occupation
• You may not get a home loan (most banks require OC before disbursement)
• Utilities (water, electricity) may not be connected officially
• You cannot register the property in some cases

Always demand a copy of the OC before taking possession. For under-construction projects, the builder commits to providing an OC on completion. Chanchals verifies OC status for all projects listed with us.

A General or Special Power of Attorney (POA) allows someone to purchase, register and manage property on your behalf. This is commonly used by NRIs and people who cannot be physically present for signing. The POA must be:

• Notarised and apostilled (if executed abroad)
• Attested by the Indian Embassy in your country of residence if you are an NRI
• Registered at the sub-registrar office in India

Note: POA cannot be used to register a property in your name in lieu of a sale deed -- a proper registered sale deed is always required for final registration. The POA is valid only for signing documents during the process. Contact our legal team for POA guidance.

Banks typically lend up to 75 to 80% of the property value (LTV ratio). Your loan amount is further limited by your repayment capacity -- most lenders allow EMI up to 40 to 50% of your net monthly income (take-home salary or net profit for self-employed).

Key eligibility factors:

• Income: Higher stable income means a larger eligible loan
• Credit score: 750+ gives the best rates; below 700 makes approval harder
• Age: Loan tenure is typically capped at age 70, so younger buyers get longer tenures and higher loan amounts
• Existing EMIs: Any current loan EMIs reduce your eligible loan amount
• Employment type: Salaried applicants are approved faster; self-employed need 2 to 3 years of ITR

Chanchals works with leading home loan lenders. We can help you get pre-approved before shortlisting properties so your budget is accurate from the start.

Home loan rates change frequently with RBI repo rate decisions. As of 2026, the major lenders are broadly competitive -- but there are differences in processing fees, prepayment penalties and flexibility. Key comparisons:

• SBI: Usually lowest or near-lowest rate, no prepayment penalty for floating rate loans, slower processing
• HDFC Bank: Fast disbursal, strong tie-ups with most NCR builders, slightly higher rate than SBI
• ICICI Bank: Competitive rates, fully online process, good for self-employed
• LIC Housing Finance: Good for salaried government employees, competitive long-tenure rates

We recommend comparing 3 to 4 lenders before deciding. Chanchals can connect you with our home loan partners for pre-approval. Ask us to arrange a comparison.

For under-construction properties, the bank disburses the loan in tranches linked to construction milestones -- this is called a Construction-Linked Plan (CLP). You only pay interest (pre-EMI) on the disbursed amount until the full loan is disbursed, after which your regular EMI begins.

Example: if your loan is Rs 80 Lakhs and the builder has received Rs 20 Lakhs from the bank so far, you pay interest on Rs 20 Lakhs only. This is beneficial for buyers as the full EMI burden starts only when the flat is nearly complete.

The bank disburses only against construction milestones -- they do an independent technical inspection before each tranche. This also protects you, as the bank verifies construction is actually happening.

For floating rate home loans from banks (regulated by RBI), there is no prepayment penalty -- you can make part-prepayments or close the loan early at any time. This is mandated by RBI regulation.

For fixed rate loans or loans from NBFCs/HFCs, a prepayment charge of 2 to 4% on the outstanding principal may apply -- read the fine print before taking such loans.

Part-prepayment is a powerful tool: even one or two additional payments per year can reduce your tenure significantly and save lakhs in interest over the loan life.

Under the old tax regime (if you have opted for it), you can claim:

• Section 24(b): Deduction of up to Rs 2 Lakhs per year on home loan interest for a self-occupied property. For a let-out property, the entire interest is deductible
• Section 80C: Deduction of up to Rs 1.5 Lakhs per year on home loan principal repayment (within the overall 80C limit)
• Section 80EEA: Additional Rs 1.5 Lakh deduction on interest for first-time buyers of affordable housing (loan sanctioned before March 2022)

Under the new tax regime, Section 24(b) for let-out properties is still available but the benefit for self-occupied homes is not. Consult your CA on which regime suits you better.

Chanchals is a property consultancy -- not a traditional broker. The difference matters:

• Traditional broker: Typically represents the builder's interest (that is who pays them), shows you anything available, and disappears after booking
• Chanchals: We represent the buyer. We only show RERA-verified projects, give honest feedback on builders including the negatives, and stay with you from shortlisting through to registration

We are a channel partner registered with multiple RERA-approved builders across NCR. Our earnings come from builder commission on closed deals -- which means our service is at zero extra cost to the buyer.

No -- our service is completely free for buyers. We are compensated by builders as a channel partner when a deal closes. This means you get full end-to-end support -- shortlisting, site visits, legal guidance, negotiation and registration co-ordination -- at zero cost to you.

There is no catch. The builder price quoted to you is the same whether you come directly or through Chanchals -- often we negotiate a better deal for you than you would get going direct.

We cover all major Delhi NCR property corridors:

• Gurugram: Dwarka Expressway, New Gurgaon, Golf Course Extension Road, SPR (Southern Peripheral Road), Sohna Road
• Noida: Noida Expressway, Sector 150
• Greater Noida: Greater Noida West, Yamuna Expressway
• Delhi: Dwarka, West Delhi
• Other NCR: Sohna, Vrindavan

We aim to respond to all enquiries within 2 hours on business days. For WhatsApp messages, our typical response is under 5 minutes during working hours (Monday to Sunday, 9AM to 8PM). Email responses come within 2 hours.

For urgent enquiries -- same-day site visit requests or time-sensitive project bookings -- WhatsApp is the fastest channel: +91 99997 76533.

Several ways to verify our credentials:

• We have been operating since 2023 with a 4.9-star average buyer rating across 1,200+ transactions
• Our legal and due diligence team independently verifies every project -- we will show you negative information about a builder if it exists, not hide it
• We only list RERA-registered projects -- you can verify every RERA number on the official state government portals
• We do not take any payment from buyers -- if anyone claims to be from Chanchals and asks for fees, contact us immediately

You are welcome to speak to existing Chanchals buyers for references. Ask our team to arrange this if you would like peer validation before working with us.

Delhi NCR remains one of India's strongest property investment markets in 2026 for several reasons:

• Dwarka Expressway prices rose ~14% in the last 12 months -- driven by infrastructure completion and genuine inventory shortage
• Noida Expressway and Greater Noida West continue to attract corporate demand and offer 3.5 to 4.5% rental yields
• New Gurgaon (Sectors 76 to 95) has benefited from KMP Expressway completion reducing commute times

However, not all corridors are equally attractive. We advise against chasing over-marketed projects -- focus on RERA-registered developments by builders with proven delivery records and corridors with demonstrable infrastructure investment. Read our market insights for detailed corridor-by-corridor analysis.

Gross rental yields in Delhi NCR typically range from 2.5 to 4.5% per annum, depending on corridor and property type:

• Highest yields: Sector 150 Noida (4 to 4.5%), Golf Course Ext. Road (3.5 to 4%) -- driven by corporate and expat tenant demand
• Mid yields: Dwarka Expressway, Noida Expressway (3 to 3.5%)
• Lower yields: Greater Noida West, Sohna Road (2.5 to 3%) -- better for capital appreciation than current income

Smaller units (2 BHK) typically generate higher yields than large luxury units. Furnished or semi-furnished flats in corporate hubs command 15 to 25% rental premiums.

For a 5 to 10 year investment horizon, we currently favour:

• New Gurgaon (Sectors 76-95): Infrastructure largely complete, still 20 to 30% undervalued vs Dwarka Expressway, KMP Expressway connectivity improving
• Sohna Road and Sohna: SPR and upcoming metro extension will significantly improve connectivity; entry prices are still accessible
• Greater Noida West: Closest affordable market to Noida Expressway; prices still 40% below equivalent Noida Expressway properties

Avoid "over-marketed" luxury projects where the per-sqft price is already at replacement cost -- the upside is limited. Entry price matters more than brand name for long-term returns.

Capital gains on property sale in India:

• Short-term capital gain (STCG): If sold within 24 months of purchase, gains are added to your income and taxed at your income tax slab rate
• Long-term capital gain (LTCG): If sold after 24 months, gains are taxed at 12.5% without indexation (revised in Budget 2024). Previously indexation was available at 20% -- this was removed
• Section 54 exemption: If you reinvest the capital gains in another residential property within 2 years (or construct within 3 years), you get full or proportionate LTCG exemption
• Section 54EC bonds: Invest up to Rs 50 Lakhs in REC/NHAI bonds within 6 months of sale to save LTCG tax

Consult a CA for your specific situation. Tax implications can significantly affect net returns.

Both have merits depending on your situation:

• Plots: Historically the best capital appreciation in NCR, especially in HRERA/GNIDA approved layouts. No maintenance headache, no builder risk. Disadvantage: zero rental income, significant illiquidity, and illegal encroachment risk if not in a gated township
• Flats: Rental income from day one, easier to finance with a home loan, more liquid (easier to sell). Disadvantage: maintenance charges, builder and society risks, depreciation of the building over time

For pure capital growth: plots in approved layouts near upcoming infrastructure. For income + growth: 2 BHK apartments in corporate demand corridors. For most first-time investors, a 2 or 3 BHK apartment in a RERA-verified project is the safer starting point.

Booking a site visit is simple:

• WhatsApp: Message us on +91 99997 76533 with your preferred project and date -- this is the fastest option
• Online form: Fill our contact form and we will call you back within 2 hours to confirm
• Phone: Call us on +91 99997 76533 directly

We offer same-day site visits on most working days across all major NCR corridors. Our representative accompanies you on the visit, provides an honest briefing on the project and is your single point of contact throughout the process.

Do not go just for the show flat -- here is what actually matters:

• Construction quality: Check walls for cracks, seepage marks, quality of plaster and finishing
• Floor and view: Higher floors mean better ventilation and views but longer wait for lifts. Check what faces the unit -- road, park, another building
• Carpet area vs what is shown: The sample flat is often staged to look larger. Measure the actual carpet area if possible
• Amenity delivery timeline: Ask specifically which amenities are ready and which are "promised" -- many builders have open gym equipment but no clubhouse for years
• Builder site office: An active, staffed site office is a good sign. A deserted one is a warning signal
• Neighbourhood: Drive around the area at different times of day. Check proximity to schools, hospitals, metro, and commute time to your workplace

Our representative will walk you through all of these during the Chanchals site visit.

Yes. Chanchals offers live video walk-throughs for buyers who cannot be physically present -- NRIs, buyers from other cities or those with time constraints. We visit the site with you on a video call, show you the actual unit (not just the sample flat), the view, surrounding area and amenities in real time.

Video visits are available on WhatsApp or Zoom. Confirm your preferred platform and time when booking. WhatsApp us to schedule.