Your step-by-step guide to buying, selling and renting

1. 1

   Step 1

   Decide your budget and priorities

   Start with the total you can spend, not just the price. Add registration and other government costs, utility connections, a small buffer for fit-out, and the monthly instalment if you plan a bank loan.

   • Preferred area and block or sector
   • Ready flat, near-handover or under-construction
   • Size, bedrooms, facing, floor and parking
   • How much you can pay now and how much you will finance
2. 2

   Step 2

   Shortlist and visit properties

   Visit several verified options before you decide. Go at different times of the day and look beyond the flat itself.

   • Road access, noise, water and gas supply
   • Lifts, generator backup, security and parking
   • Light and ventilation in every room
   • Nearby schools, hospitals and markets
3. 3

   Step 3

   Verify the ownership documents

   This is the most important check. Never pay a large amount before the documents are verified by a lawyer.

   • The seller's title deed (dolil) and the chain of earlier deeds
   • Mutation (namjari) record and updated land development tax (khajna) receipts
   • Khatian records and, for land, the exact plot boundaries
   • For an under-construction project: the developer's agreement with the landowner and the approved building plan
   • Any power of attorney, and the identity of everyone signing

   Property Index's in-house legal advisors do this check for you.

4. 4

   Step 4

   Verify the price

   Compare the price per square foot (or per katha for land) with similar properties in the same area. Ask for a full written breakdown so there are no surprises later.

   • Base price, parking, utility and service charges
   • What is included and what is extra
   • Whether the price is negotiable
5. 5

   Step 5

   Agree the terms and pay a token

   When you are happy, reserve the property with a token money. Always take a signed receipt that names the property, the amount, the date and the balance terms.

   A token keeps the property for you while the document and price checks finish.

6. 6

   Step 6

   Arrange payment or a home loan

   Decide how you will pay the balance: your own funds, instalments where the owner or developer offers them, a bank loan, or a mix.

   For a loan, compare banks on rate, loan-to-value, tenure and fees, then apply with the property documents. Our home loan service helps you pick a bank and prepare the application.

7. 7

   Step 7

   Register and take possession

   The sale is complete when the sale deed is registered at the sub-registrar's office and the government fees are paid as the rules require. After that:

   • Apply for mutation (namjari) in your name
   • Get the keys and check the property against the agreed specification
   • Transfer or open utility connections
   • Keep every receipt and the registered deed safe

   This guide is general information, not legal advice. Our legal team can walk you through each step.

General information, not legal advice.