Gautam's Home Buying Journal
Started on 12 May 2026 • Bengaluru NorthID gautam-y
“Negotiate smart — sign with confidence, not haste.”
My Home Buying Journey
Stage 5 of 6 ActiveNegotiation & paperwork
You've compared and chosen. Now Kabir, Meera and your bank turn comparison into closure — price, loan and legal, step by step.
Chosen home
Prestige Falcon City
Kanakapura Rd • 3 BHK
Final ₹1.50 Cr
Riya > Kabir handoff complete • Meera reviewing draft
Negotiation progress
- Completed
Price discussion
Offer ₹1.48 Cr → Counter ₹1.52 Cr → Final ₹1.50 Cr
- Received
Home loan sanction
HDFC — ₹1.10 Cr @ 8.4% • Sanction letter received 22 May
- In review
Legal opinion
Meera — Title clear, draft sale agreement under review
- Awaiting
Sale agreement
Builder draft expected 28 May • 3–5 working days
- Upcoming
Stamp duty & registration slot
Sub-registrar booking after agreement
Cost & all-in outflow
Stamp, registration & fees — no surprises.
- Agreement value₹1.50 Cr
- Stamp duty (6%)₹9.00 L
- Registration & GST₹1.20 L
- Legal & processing₹85,000
- All-in outflow₹1.61 Cr
Who's with you
- ●
Kabir
Project Curator — price & builder
- ●
Meera
Legal — title & agreement
- ●
HDFC Bank RM
Loan sanction & disbursement
Documents checklist
- Sanction letter ✓
- PAN & KYC ✓
- Draft agreement review
- EC & Khata upcoming
Riya → Kabir → Meera handoff
Riya captured your 8→4 shortlist. Kabir negotiated price and builder terms. Meera now validates title and agreement — you only review, she protects.
Next — Purchase & Closure
Once agreement is cleared, you'll move to final registration and possession planning — already queued as Stage 6.
Preview final stage