How do I search for a property on Propspedia?

Use the search bar to enter city, locality, or project name. Filter by BHK, budget, RERA status, and possession date. Every listing shows a PropScore™ trust index so you can compare quality instantly.

Are listings on Propspedia RERA verified?

Yes. Every listing on Propspedia is cross-verified against the state RERA portal. You can filter exclusively for RERA registered properties using the RERA Verified filter on the search page.

Is there any brokerage fee for buyers on Propspedia?

Zero. Propspedia charges absolutely no brokerage or fees to buyers. You pay only the property price directly to the builder — nothing else.

Can NRIs buy property through Propspedia?

Yes. NRIs and PIOs can buy residential property in India through Propspedia. We have a dedicated NRI desk with FEMA compliance, bank remittance guidance, and Power of Attorney assistance.

Which cities does Propspedia cover?

Propspedia covers Chennai, Bengaluru, Hyderabad, Kochi, Coimbatore, and Mysuru — with verified listings across key localities like OMR, Whitefield, Gachibowli, Marine Drive, and Saravanampatti.

What documents should I check before buying a property?

Check: RERA registration certificate, Title deed and encumbrance certificate, approved building plan, Occupancy Certificate (for ready properties), and the Sale Agreement. Propspedia verifies all of these before listing.

Does Propspedia help with home loans?

Yes. We partner with leading banks and NBFCs to offer pre-approved home loan assistance, EMI estimation, and documentation support — at zero cost to buyers.

What is PropScore™?

PropScore™ is Propspedia's proprietary trust rating (0–100) for every listing. It factors in RERA status, builder track record, documentation completeness, physical verification, and price accuracy.

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Tulive Flora

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FAQ

Frequently Asked Questions

Everything you need to know about buying, selling, and investing in properties with Propspedia

Simply enter your preferred locality, lifestyle, or requirements in our AI-powered search. You can also browse by lifestyle (Urban Professional, Family Paradise, Nature Haven, etc.), or filter by city, BHK, budget, and property type. Every result shows a PropScore™ — our trust index — so you can shortlist with confidence.

Yes. Every listing undergoes a multi-stage verification — our team physically inspects the property, cross-references RERA registration, validates ownership documents, and confirms price accuracy. Listings that fail verification are rejected. Brokers who post fraudulent listings are permanently banned.

Absolutely. Once you express interest in a property, we coordinate a curated site visit — no cold-calling, no pressure. You can request a virtual tour or an in-person visit. Our team accompanies first-time buyers on request.

All RERA-registered projects on Propspedia display the registration number prominently. You can verify it directly on the Tamil Nadu RERA portal (TNRERA) or other state RERA portals. We also highlight the registration expiry date, builder's compliance history, and any complaints filed against the project.

The key documents are: (1) RERA registration certificate, (2) Title deed and encumbrance certificate, (3) Approved building plan from local authority, (4) Occupancy Certificate for ready properties, (5) Sale Agreement and builder-buyer agreement. For resale properties, also verify the previous owner's title chain and outstanding loans.

Yes, we partner with leading banks and NBFCs to offer pre-approved home loan assistance. Our finance team helps you estimate EMI, compare loan products, and prepare documentation. We don't charge borrowers for this service — our goal is to make the entire home-buying journey seamless.

Beyond the property price, budget for: (1) Stamp duty — 7% in Tamil Nadu, (2) Registration charges — 1% of property value, (3) GST on under-construction properties — 5% without ITC, (4) Brokerage (we charge zero buyer-side brokerage on Propspedia), and (5) Society maintenance deposits. Our PropCost™ calculator in each listing shows the all-in cost.

Yes. NRIs and PIOs can buy residential property in India (excluding agricultural land/plantation/farmhouse). Propspedia has a dedicated NRI desk with specialists who understand FEMA regulations, bank remittance procedures, and Power of Attorney requirements. We support the full process — from search to registration — remotely.

Yes, we partner with trusted property management firms who handle rental management, maintenance, tenant verification, and legal compliance on your behalf. You get regular reports and can track everything through your Propspedia account — even while overseas.

PropScore™ is Propspedia's proprietary 0–100 trust index computed for every listing. It factors in: RERA registration status (30 pts), builder track record and delivery history (20 pts), documentation completeness (15 pts), unit-level floor plan data availability (15 pts), geo-coordinates (5 pts), and content accuracy (15 pts). A score of 80+ indicates a well-documented, RERA-compliant project from a builder with a clean delivery history. Use the PropScore ring on every property card to shortlist confidently — click the ring for a full score breakdown.

Carpet Area is the actual usable floor space inside your flat, measured wall-to-wall. Built-up Area = carpet area + wall thickness + balcony (roughly 10–15% more than carpet). Super Built-up Area (Saleable Area) = built-up area + your proportional share of common areas like lobby, lift, staircase, and amenity zones — typically 20–35% more than carpet. Since 2017, RERA mandates that all transactions be disclosed and priced on carpet area. Always calculate your effective cost per carpet sqft when comparing two projects — not price per super built-up — to make a fair comparison.

Yes — significantly for the 40–65 age demographic that dominates South India's homebuyer market. Vastu-compliant units (north-facing or east-facing, main door in the north-east quadrant) command a 5–12% premium in Chennai, Hyderabad, and Bengaluru and tend to sell faster with a larger buyer pool. If vastu is a priority for you or your family, use Propspedia's Facing filter on the search page to shortlist north-facing and east-facing flats, then verify the master plan with the builder to confirm door orientation before booking.

An Occupancy Certificate is issued by the local municipal authority (CMDA in Chennai, BBMP in Bengaluru, GHMC in Hyderabad) confirming the building was constructed per the approved plan and is safe for habitation. Without OC: (1) Banks will not disburse a home loan; (2) You cannot obtain legal water or electricity connections; (3) GST (5%) applies instead of zero; (4) Property tax cannot be formally assessed. Always ask for the OC — not just the Completion Certificate, which is a separate document — before making any payment on a ready property. Propspedia verifies OC receipt for all 'Ready to Occupy' listings before listing approval.

An Encumbrance Certificate records all registered transactions on a property — mortgages, sale deeds, loans, legal disputes — for a specified period. A clean EC confirms no outstanding liabilities exist on the property. Obtain the EC online: Tamil Nadu — tnreginet.gov.in; Karnataka — kaveri.karnataka.gov.in; Telangana — registration.telangana.gov.in. For resale purchases, always verify a 13-year (ideally 30-year) EC before paying any advance. For new builder projects, the builder's land must also be encumbrance-free — Propspedia verifies this before listing approval.

Under RERA, if a builder misses the possession date, they must pay you interest at the prevailing SBI MCLR + 2% per annum (currently ~10.5%) on all amounts paid, calculated from the committed date to actual delivery. On ₹50 lakhs paid, that's ₹5.25 lakhs in interest per year of delay. You have two options: (1) Continue with the project and receive this interest at handover; or (2) Cancel the booking and claim a full refund plus the same interest rate from date of each payment. File your complaint through your state's RERA portal — Tamil Nadu: tnrera.in, Karnataka: rera.karnataka.gov.in, Telangana: rera.telangana.gov.in. Adjudication is typically completed within 60 days.

Stamp duty and registration fees vary by state — always budget for these before shortlisting a property. Tamil Nadu (Chennai, Coimbatore): 7% stamp duty + 4% registration fee = 11% total. Karnataka (Bengaluru, Mysuru): 5% stamp duty + 1% registration fee = 6% total (lower slabs for properties below ₹45 lakhs). Telangana (Hyderabad): 4% stamp duty + 0.5% transfer duty + 1.5% registration = 6% total. Kerala (Kochi): 8% stamp duty + 2% registration = 10% total. On a ₹1 crore property in Chennai, government charges alone add ₹11 lakhs. Propspedia's PropCost™ calculator in every listing shows your state-specific all-in cost.

GST applies only to under-construction properties: 5% on the total consideration (excluding land value) for standard projects; 1% for affordable housing priced ≤ ₹45 lakhs with carpet area ≤ 60 sqm in metros. Ready-to-move properties that have received an Occupancy Certificate (OC) attract zero GST — this is a genuine 5% saving versus an equivalent under-construction unit. On a ₹1 crore project, that's ₹5 lakhs in GST saved by buying ready. Always confirm with the builder whether the quoted price is GST-inclusive or exclusive, and get it in writing in the booking receipt.

Under the Old Tax Regime, a home loan provides three deductions: (1) Section 80C — principal repayment up to ₹1.5 lakh per year is deductible; (2) Section 24(B) — interest paid up to ₹2 lakh per year is deductible on a self-occupied property; (3) Section 80EEA — an additional ₹1.5 lakh interest deduction for first-time buyers on properties priced up to ₹45 lakhs. For a couple who are co-applicants, each can claim these benefits separately — effectively doubling the tax saving. Note: Under the New Tax Regime (default from FY 2024-25), most of these deductions are unavailable. Consult a CA before choosing your tax regime.

NRIs need: (1) Valid Indian Passport or OCI Card; (2) PAN Card — mandatory for all property transactions above ₹50 lakhs (apply at incometaxindia.gov.in if you don't have one); (3) NRE/NRO Bank Account details — payments must be routed through FEMA-compliant accounts; (4) Recent passport-size photographs; (5) Proof of overseas address; (6) Registered Power of Attorney (POA) if purchasing without being present in India. Propspedia's NRI Desk assists with POA drafting, legal notarisation (from the nearest Indian Consulate), and document attestation — entirely remotely from UAE, Singapore, USA, or UK.

Yes. Most major Indian banks — SBI, HDFC, ICICI, Axis, Kotak — offer dedicated NRI Home Loan products. Key terms: loan-to-value (LTV) up to 80% of property value; interest rates are typically 0.25–0.50% higher than resident Indian rates; EMIs must be paid from your NRE/NRO account. Tax benefit: NRIs can claim Section 24(B) interest deduction under the Old Tax Regime. Repatriation: principal and interest can be remitted overseas under FEMA, subject to RBI guidelines (typically permitted for up to two residential properties). Propspedia's NRI Desk offers bank introductions and loan pre-approval assistance at zero cost to the buyer.

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