FAQ

Frequently Asked Questions

Am I Ready to Be a Homeowner?

You’re ready to be a homeowner if you have financial stability, a steady income, and enough savings for the down payment, stamp duty, and registration costs. Also, ensure you can manage home loan EMIs and property maintenance comfortably before making the decision.

Is Renting or Buying Better?

It depends on your budget, lifestyle, and future plans. Buying is ideal if you want a long-term investment and plan to stay in the city for several years, while renting offers flexibility and lower initial costs. Indiatic Realty helps you decide based on your financial goals and needs.

What Is the Lender's Formula?

Most Indian banks follow the 40–50% EMI rule, meaning your home loan EMI should not exceed half of your monthly income. Lenders also consider your credit score, existing debts, job stability, and property value before approving the loan amount.

What Do I Look for in Homes?

Focus on location, budget, property size, amenities, and builder reputation before choosing a home. Check for RERA registration, legal clearance, and connectivity to schools, offices, and hospitals. Indiatic Realty provides verified properties to help you make the right decision.

Do I Need a Home Warranty?

In India, many builders offer structural warranties for new homes, while resale properties may benefit from additional coverage. A home warranty helps protect against repairs, plumbing, and electrical issues, ensuring peace of mind and lower maintenance costs.

What Should I Expect at Closing?

Closing in India is the final stage of buying a property, where ownership is officially transferred. You’ll need to sign the sale deed, pay stamp duty and registration charges, and complete all paperwork. At Indiatic Realty, we guide you through every step to ensure a smooth closing.

What Is Pre-approval?

Pre-approval is when a bank or lender evaluates your income, credit score, and documents to determine your home loan eligibility. Having a pre-approval letter helps you negotiate better, choose the right property, and speed up the buying process.

Am I Ready to Rent?

You’re ready to rent if you can comfortably manage monthly rent, security deposit, and maintenance charges within your budget. Make sure you have required documents like ID proof, Aadhaar, PAN, and income details to complete the rental agreement smoothly.

What Should I Offer?

Your offer should match the market value based on location, size, and amenities. Research property rates in the area and consider construction quality and resale potential. At Indiatic Realty, we help you negotiate the best price and secure the most value for your investment.

Can I Ask You for Advice?

Absolutely! At Indiatic Realty, we’re here to guide you through buying, selling, renting, or investing in properties. Our experts provide personalized advice and verified information to help you make smart and confident real estate decisions.

Together, we’ll guide you to the property you deserve

Start your real estate journey today with Indiatic Realty — discover your dream property with ease. Whether you want to buy, sell, or rent, we’re here to guide you every step of the way!