EMI, eligibility, and purchase cashflow
For Gurugram, stress-test monthly outflow including maintenance, parking, and society charges where applicable.
Keep a 6–9 month emergency buffer after you fund deposit / down-payment so a job or income change does not force a distress exit.
- Round-trip costs: stamp duty, registration, brokerage, GST (where relevant), and loan processing fees.
- If floating rates rise 150–200 bps, can you still service comfortably?
- For under-construction, model construction-linked payouts vs rent if you must bridge.
Documentation confidence
Lenders and serious counterparties reward clean chain of title, approved plans, and tax receipts. Use shortlisting time to collect soft copies and questions — not closing week.
- Encumbrance / chain: seller identity matches documents across periods.
- OC / CC / fire NOC status for ready inventory; RERA registration for new projects.
- NOCs from society / lessor where applicable for resale and commercial.
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