Important 21 Questions to Ask When Buying A New House

Introduction

Buying an apartment in India is not just a purchase—it’s a life milestone. Since most Indians buy a house only once or twice in their lifetime, this decision involves significant financial planning, legal research, and emotional investment. With the rising demand for apartment living in cities, buyers are often overwhelmed by choices and confused by complex builder terms, pricing structures, and documentation requirements.

The importance of asking the right questions cannot be overstated. It’s not just about the size of the apartment or the price but also factors like builder credibility, legal approvals, financing options, maintenance, and hidden charges. A well-informed buyer can avoid future regrets, delays, and disputes by doing the necessary groundwork.

In this blog, we’ve put together a checklist to ensure that your home-buying journey is smooth and transparent. Whether you are a first-time buyer or upgrading to a bigger home, following these questions will help you make the best decision.

Who Is the Developer, and What Is Their Track Record?

Choosing the right builder ensures reliability and timely project completion.

• RERA Compliance: Is the project registered with RERA?
• Builder’s Past Projects: Are there successful projects they’ve completed on time?
• Legal and Market Reputation: Has the builder been involved in any controversies?
• Customer Reviews: What do previous buyers say about the builder?

What Is the Legal Status of the Property?

Clear legal documentation is essential to avoid future disputes.

• Commencement Certificate (CC): Has the project received CC from the local authority?
• Occupancy Certificate (OC): Will the builder provide the OC on possession?
• Title Deed: Is the land free from disputes or legal encumbrances?
• Environmental Clearance: Does the project have the necessary environmental approvals?

Is the Project Registered with RERA?

RERA-registered projects are legally protected.

• State RERA Portal Check: Verify the project details on the respective RERA portal.
• Compliance with Timelines: RERA mandates timely completion or compensation.
• Buyer Safeguards: What protections are offered under RERA if possession is delayed?

What Are the Financing and Loan Options?

Many buyers rely on home loans, so understanding financial aspects is critical.

• Pre-Approved Loans: Is the project pre-approved by major banks?
• EMI Plans: What will be the monthly EMI at the current interest rate?
• Processing Fees: Are there additional fees for loan processing?
• Builder Loan Offers: Are there any exclusive bank tie-ups for better interest rates?

What Is the Possession Timeline?

Timely possession ensures you avoid rent and financial strain.

• Tentative Possession Date: What is the expected possession date?
• Penalty for Delays: Will the builder compensate for delayed possession?
• On-Site Progress: Can you visit the site to track construction?
• Grace Period: How long is the grace period in case of minor delays?

What Is the Carpet Area, Built-Up Area, and Super Built-Up Area?

Understanding these metrics ensures you pay only for usable space.

• Carpet Area: Actual area inside the walls of your apartment.
• Built-Up Area: Includes the thickness of walls and balconies.
• Super Built-Up Area: Includes common areas such as lobbies, corridors, and staircases.
• Loading Factor: How much percentage of the super built-up area is added to the carpet area?
• Want to Know Difference between Carpet Area, Built Up Area , Super Builtup Area

What Amenities Does the Project Offer?

Amenities enhance the quality of life and property value.

• Essential Amenities: Water supply, elevators, power backup, and security systems.
• Recreational Amenities: Swimming pool, gym, clubhouse, and parks.
• Sustainable Features: Rainwater harvesting, solar panels, and waste management systems.
• Smart Features: Home automation, intercoms, and smart lighting.
• Also, Read our latest blog about Smart Home & PropTech Innovations

Are There Any Hidden Costs?

Unplanned expenses can disrupt your budget.

• Parking Fees: Is parking included, or does it cost extra?
• Clubhouse Membership: Are clubhouse and amenities chargeable?
• Advance Maintenance Fees: Is maintenance charged upfront for 1-2 years?
• Statutory Charges: GST, stamp duty, and registration fees.

What Are the Maintenance Charges and Rules?

Maintenance fees are essential to keep the property in good condition.

• Inclusions: What services are covered under maintenance?
• Escalation Clause: Will the fees increase yearly?
• Frequency of Payments: How often are maintenance charges collected?
• Penalty for Non-Payment: What happens if you miss a payment?

How Safe Is the Location and Property?

Safety is paramount for your family.

• Security Features: Does the project have CCTV and guards?
• Fire Safety Compliance: Are there fire alarms and extinguishers installed?
• Neighborhood Safety: What is the crime rate in the area?
• Emergency Services: How far are hospitals and police stations?

How Good Is the Connectivity and Infrastructure?

Location plays a key role in long-term convenience.

• Proximity to Schools and Offices: How far are they from the project?
• Public Transport: Are metro stations or bus stops nearby?
• Highway Access: Is the property close to major roads or expressways?
• Upcoming Infrastructure: Will there be future metro lines or flyovers?
• Also, Read How Infrastructure Affects the Real Estate Market in India

What Is the Builder’s Policy on Customization?

Some buyers prefer customizing interiors before moving in.

• Wall Changes: Can walls be moved or removed?
• Flooring Options: Can you choose your tiles?
• Kitchen Layout: Are there customization options for kitchen designs?
• Policy on Alterations: Will customization delay possession?

How Will the Property Appreciate in Value?

Understanding the potential return on investment is crucial.

• Market Trends: Is the area expected to grow?
• Rental Yield: What is the rental income potential?
• Property Appreciation Rate: How much has property value risen over time?
• Upcoming Projects: Will new developments add value?

What Is the Builder’s After-Sale Service?

Good after-sale service reflects builder credibility.

• Defect Liability Period: How long does the builder cover repairs?
• Service Support: Will they assist with maintenance after possession?
• Dedicated Support Team: Is there a team to handle complaints?
• Online Reviews: What do other customers say about after-sales service?

Does the Project Have Vastu Compliance?

Vastu is important for many Indian homebuyers.

• Main Entrance: Does it align with Vastu principles?
• Room Layouts: Are rooms positioned as per Vastu?
• Light and Ventilation: Are windows properly placed?
• Kitchen Location: Is the kitchen in the southeast?
• Want to know more about Vastu just click the link below
• 1-  Best Direction for a Home’s Entrance as Per Vastu
• 2- How to Check Vastu Direction of a Flat
• 3- South Facing Flat Good Or Bad As Per Vastu?

Is There a Legal Dispute or Controversy?

• Search Online: Are there any news reports or lawsuits?
• Ask Builder: Have they disclosed pending cases?

What Are the Property Taxes, and Who Is Responsible for Paying Them?

• Tax Amount: What are the annual property tax rates for the area?
• Tax Responsibility: Is the builder covering any initial tax costs, or is it your responsibility?
• Documentation: Will the builder provide all required tax-related documents?
• Penalties: Are there penalties for delayed tax payments?
• Want to know more about Property Tax just click the link below
• Property Tax in Pune
• Government Taxes on Property Purchase in Mumbai
• Government Taxes on Property Purchase in Pune
• Government Taxes When Buying Properties in Bangalore

What Is the Process for Property Registration?

• Timeframe: How long will the registration process take?
• Documentation Required: Which documents are needed for property registration?
• Stamp Duty and Fees: How much will stamp duty and registration fees cost?
• Registration Office: Where is the local office for completing the registration?

Are There Any Future Development Plans Around the Project?

• Infrastructure Projects: Are there upcoming metro lines, flyovers, or malls?
• Government Announcements: Has the local government approved any major developments?
• Impact on Property Value: Will the developments enhance or reduce property value?
• Builder’s Plans: Are there any future phases or extensions of the project?

What Is the Policy on Refunds or Cancellations?

• Refund Process: How long will it take to get a refund if you cancel the booking?
• Cancellation Charges: Are there any penalties for cancellations?
• Written Agreement: Will the refund terms be included in the agreement?
• RERA Guidelines: Are the refund and cancellation policies aligned with RERA norms?

What Is the Policy on Pets in the Apartment Complex?

• Pet-Friendly Rules: Are pets allowed in the building or complex?
• Designated Areas: Is there a pet park or designated walking area?
• Restrictions: Are there limits on the size or breed of pets?
• Society By-Laws: What are the rules regarding noise or cleanliness related to pets?

Conclusion

Buying a house is one of the most critical financial decisions of your life. It’s not just about finding a place to live—it’s about securing a lifestyle, investment, and future. With the rising complexities of real estate in India, asking the right questions at every step ensures a smooth and transparent experience. This 21-point checklist covers every major aspect, from legal clearances and builder credibility to financing, amenities, and pet policies, so that no important detail is overlooked.

By being informed, you not only protect your investment but also ensure that your new home aligns with your needs and lifestyle. Transparency, due diligence, and thorough planning will save you from potential headaches, financial losses, and legal hassles in the long run.

Housiey makes this journey even simpler. It’s a platform that connects you directly with trusted builders, eliminating the need for multiple brokers, and providing a smooth, hassle-free, and transparent experience for homebuyers. With Housiey by your side, you’re not just buying a house—you’re stepping into your dream home confidently and well-prepared.

FAQs

What is RERA, and how does it protect buyers?

• RERA ensures accountability and timely delivery of projects. It mandates builders to compensate buyers for delays.

What documents should I ask from the builder?

• Important documents include the Commencement Certificate (CC), Occupancy Certificate (OC), title deed, and RERA registration number.

What is the difference between carpet area and super built-up area?

• Carpet area is the usable space within the apartment, while super built-up area includes common areas like lobbies and staircases.

How do I verify the legal status of a property?

• Check the title deed, RERA registration, environmental clearance, and NOCs from municipal authorities.

What is the ideal loan amount to take for an apartment?

• Ideally, your EMI should not exceed 40% of your monthly income. Use online loan calculators to plan your finances.

What is the builder’s penalty policy for delayed possession?

• Builders registered under RERA are required to compensate buyers for possession delays.

Are GST and registration fees included in the apartment price?

• Usually not. Ask the builder for a detailed cost breakdown, including all statutory fees.

What amenities should I look for in an apartment complex?

• Look for essential amenities like water supply, security, elevators, and power backup, along with recreational spaces like a gym and clubhouse.

How do I confirm if the apartment is pet-friendly?

• Check with the builder and society by-laws if pets are allowed and whether there are any restrictions or designated areas for them.

What hidden charges should I ask about?

• Watch out for parking fees, club membership, maintenance deposits, and floor-rise charges.

How do I ensure a good return on investment (ROI)?

• Choose areas with strong infrastructure development, good rental yields, and potential for future appreciation.

What is the cancellation policy if I change my mind?

• Confirm cancellation fees and refund timelines with the builder, and ensure the terms are listed in the agreement.

What maintenance fees are applicable, and how often?

• Ask about the frequency, escalation clauses, and services covered under the maintenance charges.

Is customization allowed in the apartment?

• Some builders allow customization before possession, but it may involve extra costs or affect delivery timelines.

How do I check the safety standards of the building?

• Look for fire safety measures, CCTV installation, security personnel, and emergency exits.

What should I know about property tax payments?

• Find out the annual property tax rate, who pays initially, and how to pay future taxes.

How important is Vastu compliance in an apartment?

• If Vastu matters to you, check if the apartment layout aligns with key principles like entrance direction and room placement.

What financing options are available?

• Check if the builder has pre-approved loans with banks and compare home loan rates for the best deal.

What should I know about future infrastructure developments?

• Investigate upcoming metro lines, flyovers, or commercial hubs that could increase property value.

What is the best time to invest in real estate?

• Prices are often lower during festive offers or builder clearance sales. Ensure you analyze market trends before making a decision.