Home loans, stamp duty, circle rates and city markets for Indian buyers. Every figure checked against the state notification or the RBI circular it comes from.
Buying property from an NRI seller gets new paperwork from 1 October 2026, not a new tax. A CBDT rule moves the purchase onto Form 141’s new Schedule E, asking for the seller’s tax residency certificate and foreign tax ID before you pay. Joint buyers file separate forms, with proportions that must add up to the full price.
Real Estate · Stamp Duty & Capital Gains · Updated 23 September 2026 · 21 min read Quick answer A circle-rate hike is usually reported as a buyer’s problem — higher stamp duty. The bigger, quieter cost lands on the seller. If you sell below the circle rate, Section 78 of the Income-tax Act 2025 … Read more
Buying a home is four decisions stacked together, and the expensive mistakes are in the first two. What you can afford is a different number from what a bank will sanction.
Real Estate Home Buying · By Utkarsh Garg, Founder & Editor · June 2026 · 9 min read Disclosure: This article is for general informational purposes only and does not constitute financial, legal, or property advice. GST rates, RERA rules, and stamp duty regulations are subject to change and vary by state. Verify all figures … Read more
Real Estate · Home Loans · Quick answer 30 sec · Full read 16 min Consider switching from MCLR to EBLR when the rate gap is roughly 50–100 bps: EBLR home loans reprice faster when the RBI cuts rates. Check your loan’s reset clause and any switch fee in the Key Facts Statement first — the break-even … Read more
RBI & Macro RBI Policy · 5 June 2026 · 9 min read Disclosure: This article is for educational and informational purposes only. It does not constitute investment or financial advice. RBI policy data verified against the primary RBI Monetary Policy Statement and Governor’s Statement (Press Releases 2026-2027/385 and 2026-2027/386, 5 June 2026). All EMI … Read more
City Markets #1 Real Estate Pune · June 2026 · 14 min read Disclosure: This article is for general informational purposes only. It does not constitute property investment or financial advice. Real estate is hyperlocal — prices, inventory, and market conditions change rapidly. All figures cited carry explicit source attributions and should be verified against … Read more
Real Estate RERA & Legal · 30 May 2026 · 13 min read By Utkarsh Garg · Founder & Editor, FinEstate · 30 May 2026 Last updated: 02 Jun 2026 Disclosure: This article is for general informational purposes only. Stamp duty rates, slabs, and concessions change with state budgets and executive orders. Verify the current … Read more
Real Estate · Home Loans · Quick answer 30 sec · Full read 19 min EBLR-linked home loans reset quarterly when the RBI changes the repo rate, but your bank defaults to adjusting tenure rather than EMI — you have to ask for the EMI cut. Section 24(b) is worth up to Rs 2 lakh of interest deduction, and … Read more