Homes above ₹1 crore now account for nearly half of all residential sales in India in 2026. Before you invest, here are 7 non-negotiable checks that protect your money and your future.
India's property market in 2026 is one of the most exciting — and most complex — in the world. With homes priced above ₹1 crore accounting for nearly half of all residential sales (Knight Frank India, 2026), more buyers than ever are stretching their budgets. Before you sign anything, here are the 7 checks that could save you from a costly mistake.
1. Verify RERA Registration
Every project must be registered on your state RERA portal — haryanarera.gov.in, up-rera.in, or maharerait.maharashtra.gov.in. This is non-negotiable. RERA registration means the builder is legally accountable for the delivery date, specifications, and your booking amount. Check it yourself — never rely on the salesperson's word.
2. Confirm the Title is Clear
A clear title means the seller legally owns the property and has the right to sell it. Hire a property lawyer to trace the title for at least 30 years and verify there are no encumbrances, mortgages, or disputes on record.
3. Check Approved Plans and Sanctions
The building plan must be approved by the local authority — DUDA, HRERA, NOIDA Authority, or BDA. Compare the approved layout with what is being shown to you. Any unauthorised extra floors or deviations can face demolition orders or heavy penalties.
4. Calculate the True All-In Cost
The sticker price is never the final price. Add stamp duty (4–8% depending on state and gender of buyer), registration charges (1%), GST (5% on under-construction), society formation charges, maintenance deposit, and parking cost. On an ₹80 lakh property, these add-ons easily total ₹10–14 lakhs — plan for them upfront.
5. Verify the Builder Track Record
Check the developer's completed projects. Visit them physically. Talk to residents about possession quality and maintenance. Search for RERA complaints on the portal. In 2026, branded developers with institutional backing offer far stronger delivery guarantees than smaller local builders operating on thin margins.
6. Assess Location Fundamentals
Metro connectivity, expressway access, proximity to IT employment hubs, good schools, and hospitals directly impact both your lifestyle and long-term resale value. Fringe localities near planned metro extensions and expressways are seeing the fastest appreciation in 2026 as infrastructure investment catches up with residential demand.
7. Get Pre-Approved for Your Home Loan
Know your exact borrowing capacity before you negotiate. Pre-approval signals seriousness to the developer and often unlocks a 2–3% early-bird discount. Home loan rates in 2026 range from 8.20–9.00%, with LIC Housing Finance and Kotak Mahindra Bank offering the most competitive rates for salaried buyers.
Trustsure Promise
Every property on Trustsure Realty passes all 7 of these checks before it is listed on our platform. Our Trustscore system rates each property on legal clarity, builder track record, and location quality — so you invest with complete confidence.
