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An apartment brings three charges beyond the price: recurring maintenance, a one time corpus fund and a sinking fund reserve. Maintenance attracts GST only above set thresholds, the corpus and sinking funds belong to the association, and unpaid dues follow the flat. What a Bengaluru buyer should check.

A gift deed transfers property without money changing hands, and in Karnataka a gift to a specified family member is stamped at a fixed nominal amount rather than the five percent a sale deed attracts. How the two deeds differ, who qualifies for the concession, and what a buyer should check if a property was gifted.

A joint home loan can let two co owners each claim interest up to two lakh under Section 24(b) and principal up to one and a half lakh under Section 80C, doubling the benefit under the old regime. Each claimant must be a co owner, a co borrower and an EMI contributor. How Bengaluru co buyers should set it up.

An A khata is a fully legal municipal record supporting home loans, plan sanction and clean resale; a B khata is a semi legal record for an irregular property that limits all three. Digitising to e-Khata does not upgrade a B khata, and conversion now costs five percent of guidance value again. What a Bengaluru buyer must check.

Whether a home loan gives you a tax break depends on your tax regime. The old regime allows interest up to two lakh under Section 24(b) and principal up to one and a half lakh under Section 80C; the new default regime drops both for a self occupied home, though let out interest survives. How a Bengaluru buyer should decide.

When you take a home loan on an under construction flat, the buyer, bank and builder sign a tripartite agreement, because you do not yet hold the flat's title. It defines staged loan disbursement, the security and what happens on default. What a Bengaluru buyer should read and check.