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What can I comfortably afford?

Comfortable property budget

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Home loan
Monthly EMI
Down payment
Stamp duty (incl. cess & surcharge)
Registration (2%)
GST (5%)
Total cash you need upfront

Assumes Karnataka stamp duty slabs (2% up to ₹20 L, 3% for ₹21–45 L, 5% above ₹45 L) plus about 12% of the duty as cess and surcharge, a 2% registration fee, and standard bank loan-to-value limits. Parking, maintenance deposits and legal fees are extra. Rates change — your advisor confirms current figures.

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