The Complete First-Time Home Buyer's Checklist for 2026

Buy Like an Engineer

Our engineers get asked one question at every family gathering: 'Which flat should I buy?' Here's the framework they actually use.

Legal Due Diligence

1. Verify RERA registration and check complaint history on the state portal
2. Confirm land title and approved building plan
3. Read the allotment letter fine print — especially the delay compensation clause

Technical Checks

4. Ask for the structural design certificate and soil test report
5. Check carpet area vs super built-up ratio (aim for 70%+)
6. Visit at 10 AM and 6 PM — light and traffic tell different stories

Financial Discipline

7. Total cost = base + GST + registration + parking + club + maintenance corpus
8. Keep EMI under 40% of take-home income
9. Pre-approve your loan before token payment

A home is the largest purchase of your life. Diligence isn't paranoia — it's respect for your own future.