What Homebuyers Often Ignore: 10 Crucial Checks Before Buying Property in India
Buying a home in India is one of the biggest financial decisions most people make. But in the rush of site visits, glossy brochures, and sales pitches, many homebuyers skip the essential due diligence that can protect them from financial losses, legal risks, and long-term regret.
A smart buyer isn’t someone who finds the cheapest deal – but someone who makes the safest & most informed decision. Here are the 10 crucial checks every buyer must do before signing the dotted line.
1. Carpet Area vs Super Built-up Area
Many buyers assume the square footage on ads is the actual usable space – but it’s not.
- Carpet Area: Actual usable space inside your walls.
- Super Built-up Area: Includes lifts, lobbies, amenities, etc.
Always compare projects based on carpet area only. It reveals the true value you’re paying per square foot.
2. RERA Registration
RERA is your biggest safety net.
A RERA-approved project ensures:
✔ Legal approvals
✔ Project timelines
✔ Builder accountability
✔ Transparent payment terms
A simple search on your state RERA website can save you from high-risk or unregistered projects.
3. Title Clearance & Land Ownership
This is one step people regret skipping the most.
Check:
- If the land title is clear and dispute-free
- Whether the builder owns the land or has development rights
- Whether previous ownership records are clean
Hire a property lawyer – it’s a small investment that protects you from massive future headaches.
4. Check for Hidden Charges
Builders often advertise attractive prices but add hidden charges later:
- Floor rise charges
- PLC (Preferred Location Charges)
- Clubhouse fees
- Development fees
- Parking charges
Ask for a detailed cost sheet and verify every component.
5. Verify Building Approvals
Before booking, confirm:
- Commencement Certificate (CC)
- Occupancy Certificate (OC)
- Environmental clearances
- Municipal approvals
Missing approvals = high legal risk + difficulty in loan approvals + resale issues.
6. Home Loan Eligibility & Builder Tie-ups
Banks approve loans only after a stringent project check.
If multiple reputed banks offer loans at standard rates, it’s a positive sign.
If only one unknown NBFC is financing the project, consider it a red flag.
7. Quality of Construction & Materials
Visit an under-construction unit or sample flat.
Check:
- Wall thickness
- Bathroom fittings
- Window & door frames
- Wiring quality
Poor construction can cost lakhs in long-term repairs.
8. Maintenance Costs & Society Rules
Many buyers don’t factor in future monthly expenses.
Ask about:
- Monthly maintenance
- Sinking fund
- Clubhouse fees
- Society rules regarding pets, visitors, rentals, etc.
Your lifestyle should align with the community culture.
9. Location & Future Development
Evaluate:
- Upcoming infrastructure (metro lines, highways, business hubs)
- Schools, hospitals, supermarkets
- Flood history
- Noise levels
Future development can significantly increase appreciation value.
10. Resale Value & Exit Options
A property should be easy to resell.
Check:
- Demand in the area
- Rental yield
- Builder’s reputation
- Quality of social infrastructure
A well-chosen location can deliver 8–12% YoY appreciation in emerging markets.
Due diligence is not optional. It’s the difference between a smart investment and a regret that lasts decades.
A little homework today can protect your family’s financial future and ensure your dream home doesn’t become a liability.
