What will it really cost?
The agreement value is only part of the cheque. Add Maharashtra stamp duty, registration and GST, then see the EMI and the cash you need on day one.
| Agreement value | ₹45,00,000 |
| Stamp duty 7% of agreement value | ₹3,15,000 |
| Registration fee 1%, capped at ₹30,000 | ₹30,000 |
| GST 1% — affordable housing (≤ 60 m² carpet and ≤ ₹45 lakh) | ₹45,000 |
| Other costs your estimate | ₹1,00,000 |
| All-in | ₹49,90,000 |
Agreement valueStamp dutyRegistrationGSTOther costs
Monthly EMI on ₹36,00,000₹31,242
Cash you need upfront: ₹13,90,000 · total interest over 20 years: ₹38,97,993
An estimate for planning. Stamp duty depends on the ready-reckoner value and local rules, and GST on the builder's cost sheet — your advocate and the builder confirm the final figures.