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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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.

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.

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.

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. 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.

The key documents are:

RERA registration certificate
Title deed and encumbrance certificate
Approved building plan from local authority
Occupancy Certificate for ready properties
Sale Agreement and builder-buyer agreement

For resale properties, also verify the previous owner's title chain and outstanding loans.

Beyond the property price, budget for:

Stamp duty — 7% in Tamil Nadu
Registration charges — 1% of property value
GST on under-construction properties — 5% without ITC
Brokerage (zero buyer-side brokerage on Propspedia)
Society maintenance deposits

Our PropCost™ calculator in each listing shows the all-in cost.

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.

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.

An Occupancy Certificate is issued by the local municipal authority confirming the building was constructed per the approved plan and is safe for habitation.

Without OC:

Banks will not disburse a home loan
You cannot obtain legal water or electricity connections
GST (5%) applies instead of zero

Always ask for the OC before making any payment on a ready property.

Stamp duty and registration fees vary by state:

Tamil Nadu (Chennai, Coimbatore): 7% stamp duty + 4% registration = 11% total
Karnataka (Bengaluru): 5% stamp duty + 1% registration = 6% total
Telangana (Hyderabad): 4% stamp duty + 0.5% transfer duty + 1.5% registration = 6% total

NRIs need:

Valid Indian Passport or OCI Card
PAN Card — mandatory for all property transactions above ₹50 lakhs
NRE/NRO Bank Account — payments must be routed through FEMA-compliant accounts
Recent passport-size photographs
Proof of overseas address
Registered Power of Attorney (POA) if purchasing without being present in India

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.

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.

Obtain the EC online: Tamil Nadu — tnreginet.gov.in; Karnataka — kaveri.karnataka.gov.in; Telangana — registration.telangana.gov.in.

GST applies only to under-construction properties:

5% on total consideration (excluding land value) for standard projects
1% for affordable housing priced ≤ ₹45 lakhs

Ready-to-move properties with an Occupancy Certificate attract zero GST — a genuine 5% saving. On ₹1 crore, that's ₹5 lakhs saved by buying ready.

Yes. Most major Indian banks — SBI, HDFC, ICICI, Axis, Kotak — offer dedicated NRI Home Loan products.

Loan-to-value (LTV) up to 80% of property value
Interest rates typically 0.25–0.50% higher than resident Indian rates
EMIs must be paid from your NRE/NRO account

Propspedia's NRI Desk offers bank introductions and loan pre-approval assistance at zero cost to the buyer.

Carpet Area is the actual usable floor space inside your flat, measured wall-to-wall.

Built-up Area = carpet area + wall thickness + balcony (~10–15% more than carpet)
Super Built-up Area = built-up area + your proportional share of common areas (lobby, lift, staircase) — typically 20–35% more than carpet

Since 2017, RERA mandates all transactions be priced on carpet area. Always compare cost per carpet sqft.

Under RERA, if a builder misses the possession date, they must pay you interest at SBI MCLR + 2% per annum on all amounts paid. You have two options:

Continue with the project and receive interest at handover
Cancel the booking and claim a full refund plus the same interest rate

File your complaint through your state RERA portal — Tamil Nadu: tnrera.in, Karnataka: rera.karnataka.gov.in.

Under the Old Tax Regime:

Section 80C — principal repayment up to ₹1.5 lakh/year deductible
Section 24(B) — interest paid up to ₹2 lakh/year on self-occupied property
Section 80EEA — additional ₹1.5 lakh interest deduction for first-time buyers on properties ≤ ₹45 lakhs

Note: Under the New Tax Regime (default from FY 2024-25), most deductions are unavailable. Consult a CA.

Yes — significantly for the 40–65 age demographic that dominates South India's homebuyer market. Vastu-compliant units (north-facing or east-facing) command a 5–12% premium in Chennai, Hyderabad, and Bengaluru and tend to sell faster. Use Propspedia's Facing filter to shortlist north-facing and east-facing flats.

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