Ready to Move

Frequently asked questions

What is a ready-to-move flat?

A completed home you can move into immediately, with no construction wait. You see the actual flat and society before you pay.

Do ready-to-move flats attract GST?

No. A ready flat with a completion certificate is GST-free, unlike an under-construction one which attracts 1% or 5%.

What should I verify in a ready flat?

The occupancy certificate above all, plus any pending dues and the society's maintenance and facilities.

Is a ready-to-move flat more expensive?

Often yes, you pay a premium for zero wait and no construction risk, but you also see the exact home, society and neighbourhood before buying.

Do I pay GST on a ready-to-move home?

No. GST does not apply to a completed home with an occupancy certificate, which is a real saving over an under-construction purchase.

What should I check in a ready-to-move property?

The occupancy certificate, clear title, any pending dues, build quality and the actual amenities and neighbourhood, since you can inspect them in person.

Does GST apply at this stage?

GST applies to under-construction homes but not to completed ones with an occupancy certificate. Factor it into your total cost when comparing.

What are the risks at this stage of purchase?

Earlier stages offer lower prices but carry delay and delivery risk; later stages cost more with less risk. Match the stage to your risk appetite.

Can I get a home loan at this stage?

Yes, banks fund most stages, disbursing in tranches for under-construction and in full for ready homes. Get your loan pre-approved before booking.

Should I buy at this stage or wait?

Prices usually rise as a project nears completion, so earlier entry can cost less. Weigh the saving against the wait and the delivery risk.

What stamp duty and registration charges apply in Gurgaon and NCR?

Stamp duty and registration vary by state and are usually a few percent of the property value, with a small rebate for women buyers in many states. Confirm the current Gurgaon and NCR rate before you budget.

How much home loan can I get to buy in Gurgaon and NCR?

Most buyers get a loan for 75-90% of the value, with the amount tied to income and credit score. Our home loan by salary guide shows the ranges.

What documents do I need to buy a home in Gurgaon and NCR?

Identity and address proof, PAN, income papers for a loan, and the property title chain, approvals and latest tax receipts. Keep both sides KYC ready for registration.

How do I check if a project is RERA-registered?

Search the state RERA portal by project or builder name for the registration number and approved plan. Our RERA check guide explains it.

Can NRIs buy a home in Gurgaon and NCR?

Yes, NRIs can buy residential and commercial property in India, though not farm land. Payments must come through banking channels, and a trusted power of attorney helps if you are abroad.

What taxes apply when I sell property in Gurgaon and NCR?

You pay capital gains tax on the profit, lower if you hold beyond the long-term period, with reliefs if you reinvest in another home. Take advice before you sell.

Is it a good time to buy in Gurgaon and NCR?

Timing matters less than buying the right property at a fair price with clean papers. If the home fits your budget and needs, waiting for a perfect market rarely pays.