Finance

POP does not give loans. But the Finance menu helps you plan one. It shows how much a bank may give on your income, the EMI and total interest, and our bank partners' rates. Lenders show there only after a coordinator checks them.

Banks lend more easily on a flat in a RERA-registered project, a house with building permission, or a plot in an approved layout. For plots, banks usually lend 60 to 75% of the value. Home loans do not cover agricultural land. Each property page tells you what we know for that property. The bank makes the final decision.

Add registration (about 7.5% in Andhra Pradesh and about 6% in Telangana) and any brokerage shown on the listing. If the price is not all-inclusive, add the other charges the listing shows, such as parking, club house or corpus fund. For a flat that is still being built, GST is also charged, usually 5% (1% for an affordable home). Each property page adds this up for you.

In Andhra Pradesh it is about 7.5% in total: 5% stamp duty, 1.5% transfer duty and a 1% registration fee. In Telangana it is about 6%: 4% stamp duty, 1.5% transfer duty and a 0.5% registration fee. It is charged on the government market value or your agreed price, whichever is higher. The stamp duty calculator in Finance shows the amount in rupees, and the date we last checked the rates. Confirm the final amount at the sub-registrar office.

Only by bank transfer, never in cash. Pay only after you have seen the property and signed a written agreement. Have your own lawyer check the papers first. Never pay anyone in POP's name. POP does not take payments for a property.

For sale listings measured in sq.ft., if we have the locality average, the page shows the price per sq.ft. It also shows if the price is above, below or within 7% of that average. If we do not have a locality average, we show nothing. We do not guess.