How to Buy Property in India: Complete Guide for 2025:
Buying your first property in India can feel overwhelming — especially when you’re unfamiliar with the legal, financial, and location-based decisions that come with it. Whether you’re looking for a home to live in or investing in real estate for the future, proper planning can save you lakhs of rupees, prevent legal troubles, and make the entire process smooth.
🏡 Planning to buy property in Kalaburagi, Bidar, Raichur, or Hyderabad? This 2025 guide covers the full process—budgeting, legal checklist, choosing location & more. Perfect for first-time buyers!
In this guide, we’ll walk you through everything a first-time buyer needs to know in 2025, with a special focus on Kalaburagi, Bidar, Raichur, Hyderabad, and nearby areas — cities that are quickly growing in value and infrastructure.
You will get to know this in How to Buy Property in India
- ✅ The step-by-step process of buying property
- ✅ Budget planning and loan guidance
- ✅ Legal document checklist
- ✅ Mistakes to avoid
- ✅ How to choose the right location and property type
- ✅ And how to get expert help
Whether you’re looking for a plot, a flat, or an independent house, this guide will act as your personal assistant throughout the buying journey.
🧭 Step-by-Step Property Buying Process in India (2025)
Buying a property isn’t just about selecting a good house or plot — it’s a structured journey involving research, documentation, finance, and decision-making. Here’s a step-by-step process tailored for first-time buyers in India, especially in Kalaburagi, Bidar, Raichur & Hyderabad.
🪜 Step 1: Define Your Purpose
Before anything else, ask yourself:
Are you buying to live, rent, or invest?
✅ If you’re buying for your own home, consider:
- Proximity to work or school
- Infrastructure and safety
- Family needs (school, hospital, parks)
✅ If you’re buying for investment, focus on:
- Future infrastructure plans (ring roads, metro lines)
- Resale potential
- Rental demand in that area
🪜 Step 2: Set Your Budget & Financing Options
Most buyers don’t purchase property in full cash. You’ll need to calculate:
- ✅ Property Price
- ✅ Stamp Duty & Registration Fees (6% to 9% in most states)
- ✅ Interior/Repair Costs
- ✅ Broker Fees or Commission
- ✅ Loan Processing Fees (if applicable)
🔢 Pro Tip:
Use an EMI Calculator to estimate your monthly loan burden.
For example, for a ₹30 lakh property at 8.5% interest over 20 years, the EMI is around ₹26,000/month.
🪜 Step 3: Explore Properties
Once your budget is clear, start exploring:
- 📍 Local real estate agents in Kalaburagi, Bidar, or Hyderabad
- 🏠 Online portals: 99acres, MagicBricks, Housing
- 🧭 Site visits: Always visit in daylight to check roads, surroundings, and water/electricity
💬 Ask about:
- Road access
- Water supply
- Layout approval (for plots)
- Nearby developments
🪜 Step 4: Verify the Property Legally
Before paying any advance, ensure:
- Clear land title
- No encroachments or disputes
- RERA approval (especially for under-construction projects)
- Building plan approval from local municipality
🧾 Hire a local property lawyer for verification.
🪜 Step 5: Token Advance & Agreement
Once satisfied, you’ll pay a token amount (typically 1%-5% of property value). Get a written agreement with:
- Total agreed amount
- Payment timeline
- Possession date
- Refund clause
Do not pay cash without documentation.
🪜 Step 6: Home Loan Process (Optional)
If you’re taking a loan:
- Apply at your preferred bank or NBFC
- Submit required documents (ID, ITR, salary slips)
- Property documents are also verified by the bank
- Sanction letter will be issued
- Loan is disbursed after registration or as per construction progress
🪜 Step 7: Registration & Final Possession
This is the final step.
You’ll pay:
- ✅ Remaining amount to seller/builder
- ✅ Stamp duty + registration fee at the sub-registrar office
- ✅ Get the property registered in your name
You’ll receive:
- 🧾 Registered Sale Deed
- 🏠 Keys (for homes/flats) or documents (for plots)
✔ Summary Checklist
| Step | Action |
|---|---|
| 1 | Define purpose (home or investment) |
| 2 | Set realistic budget |
| 3 | Search online/offline & visit sites |
| 4 | Do legal verification |
| 5 | Pay token & sign agreement |
| 6 | Get home loan sanctioned |
| 7 | Register the property & take possession |
💸 Budget Planning: What’s the Real Cost of Buying a Property?
Many first-time buyers make the mistake of only looking at the listing price of a property. But in reality, the total cost of buying a home or plot is much higher — thanks to hidden charges, taxes, and post-purchase expenses.
Here’s how to plan your property budget smartly in 2025.
🧾 1. Total Cost Breakdown (Example for ₹30 Lakh Property)
| Cost Component | Estimated Amount |
|---|---|
| Property Base Price | ₹30,00,000 |
| Stamp Duty & Registration (7%) | ₹2,10,000 |
| Brokerage/Agent Fee (1%-2%) | ₹30,000 to ₹60,000 |
| Interior Setup / Repairs | ₹50,000 to ₹3,00,000 |
| Legal Verification + Advocate | ₹10,000 – ₹25,000 |
| Society/Builder Maintenance | ₹10,000 – ₹50,000 upfront |
| Total Approx. Cost | ₹33,00,000 to ₹36,00,000+ |
➡️ As you can see, a ₹30 lakh property can easily cost you ₹3 to ₹6 lakh extra.
💡 2. Don’t Ignore Stamp Duty & Registration
In Karnataka & Telangana, stamp duty typically ranges between 5% to 7%, depending on:
- Location
- Property type (urban/rural)
- Buyer category (first-time woman buyers sometimes get discounts)
🧮 Example:
₹30 lakh property @ 7% = ₹2.1 lakh in stamp duty alone
🏦 3. Are You Taking a Loan? Include EMI Planning
If you’re using a home loan, factor in:
- EMI amount
- Down payment (usually 10%-25%)
- Loan processing fee (0.25%-1%)
- Insurance (optional, but recommended)
🔢 EMI Example:
For a ₹25 lakh loan @ 8.5% interest for 20 years:
→ EMI = ~₹21,600/month
Use an online EMI calculator to check your affordability.
📌 4. Other Important Budget Factors
🔌 Utility Connections:
- Water & Electricity setup can cost ₹5,000 to ₹25,000
🔐 Registration Extras:
- Advocate fee
- Notarization
- Property tax payment up to current year
🪑 Post-Registration:
- Modular kitchen, furniture, AC, lights, paint — all add up!
✨ Budget Planning Tips:
- 🧮 Always plan for 10%-15% more than the base price
- 💳 Keep a credit buffer for surprise expenses
- 💬 Negotiate with builders — especially for under-construction projects
- 🛡️ Take home insurance to protect your asset
📍 Location Guide: Best Areas to Buy Property in Kalaburagi, Bidar, Raichur & Hyderabad (2025)
Choosing the right location is one of the most critical decisions when buying a property. A good area can boost your resale value, offer better rental demand, and significantly improve your quality of life.
Here’s a breakdown of the best and upcoming real estate areas in Kalaburagi, Bidar, Raichur, and Hyderabad — tailored for first-time buyers like you.
📌 1. Kalaburagi (Gulbarga): Emerging Property Hotspot
Kalaburagi is developing fast with government-backed infrastructure like the Ring Road Project, AIIMS hospital, and increasing interest in real estate from Hyderabad and Bengaluru investors.
🏠 Recommended Areas:
| Area | Why It’s Good |
|---|---|
| Ring Road Area | Fast-growing layout zones, future-proof |
| Sedam Road | Well-connected to city center |
| Jewargi Road | Residential + investment potential |
| Shahbazar | Affordable plots + houses |
| Shivaji Nagar | Mixed population, growing demand |
💬 Ideal for: Plot buyers, affordable housing, and future investment.
📌 2. Bidar: Underrated but Promising
With its cultural importance and closeness to Hyderabad, Bidar is slowly becoming an attractive market for budget property buyers.
🏠 Recommended Areas:
| Area | Key Highlights |
|---|---|
| Chidri | Peaceful, low-priced plots |
| Kolhar | Close to main city, developing zone |
| Naubad | Good for residential homes |
| Shiv Nagar | Popular among locals for home building |
💬 Ideal for: First-time plot buyers and people looking for low-entry-price homes.
📌 3. Raichur: Stable and Affordable Market
Raichur has limited high-rise development, but it offers affordable plots and houses with decent amenities and peaceful surroundings.
🏠 Recommended Areas:
| Area | Why It’s Popular |
|---|---|
| Mantralayam Road | Near religious/tourist location |
| Station Area | Transport & bus connectivity |
| Sindhanur Road | Plots for low-budget investment |
💬 Ideal for: Budget-conscious families, retirees, and rental income seekers.
📌 4. Hyderabad: Big City with Bigger Options
If your budget allows, Hyderabad is a long-term value market — with excellent infrastructure, IT hubs, job opportunities, and strong real estate demand.
🏠 Recommended Areas (Budget-Friendly + Growing):
| Area | Category | Why It’s Good |
|---|---|---|
| Shadnagar | Plots / Low-cost Flats | Investment hotspot with growth |
| Adibatla | Residential / IT Corridor | Near TCS, fast growth area |
| Kompally | Premium Residential | Good resale value |
| Uppal | Mid-range Flats / Villas | Well connected to central city |
| Bachupally | Flats / Villas | Schools & families prefer this |
💬 Ideal for: Families, IT professionals, NRIs, and investors.
✅ Key Factors to Consider When Choosing Location:
- 🚧 Future Infrastructure (ring roads, metro, highway access)
- 🏫 Nearby Schools, Hospitals, & Markets
- 🚌 Public Transport Availability
- 🛠️ Civic Development (streetlights, drainage, roads)
- 📈 Resale & Rental Demand
- 📜 Legally Approved Layouts (DC converted, RERA certified)
🧭 Bonus Tip: Visit at Different Times
Before finalizing, visit the location:
- In the morning → check noise levels
- At night → check lighting and safety
- During rain → check drainage/flood issues
🏘️ Types of Properties Explained: Plots vs Flats vs Resale vs Under-Construction
Not all properties are the same — and for first-time buyers, choosing the right type of property can make or break your investment or homeownership experience.
Let’s explore the main types of real estate you’ll encounter in Kalaburagi, Bidar, Raichur, Hyderabad, and across India.
🏡 1. Residential Plots (Sites/Land)
✅ Pros:
- Full control over house design
- Lower upfront cost
- Long-term appreciation potential
- Fewer maintenance costs
❌ Cons:
- Need to spend separately on construction
- May take longer to build and move in
- Legal verification is crucial (DC conversion, land title, NOC)
📝 Recommended For:
People who want to build their own home or invest for future resale.
🏢 2. Flats (Apartments)
Flats are ready or under-construction homes within a building or gated community. Builders take care of approvals and construction.
✅ Pros:
- Ready-to-move options available
- Amenities like security, water, parking
- Ideal for nuclear families
- Easy loan approval (RERA-registered)
❌ Cons:
- Monthly maintenance charges
- Less customization
- Depreciates faster compared to land
📝 Recommended For:
Young families, salaried professionals, or those seeking quick possession.
🏚️ 3. Resale Properties (Plots or Flats)
These are pre-owned properties sold by individual owners. They may be cheaper and quicker to buy but require extra due diligence.
✅ Pros:
- Often priced lower than new launches
- Ready-to-move with no waiting time
- Can inspect quality firsthand
❌ Cons:
- Old construction quality or layout issues
- Loan approval may be harder
- Need careful document verification (title, taxes, dues)
📝 Recommended For:
Buyers on a budget or looking for specific localities.
🏗️ 4. Under-Construction Projects
Buying during construction is cheaper than ready homes but involves some risk. Always check the builder’s reputation.
✅ Pros:
- Lower price
- Customization options
- Flexible payment plans
❌ Cons:
- Delays are common
- Quality issues may arise
- Occupancy Certificate may take time
📝 Recommended For:
Long-term buyers with time flexibility and reliable builders.
📊 Property Type Comparison Table
| Property Type | Cost | Customization | Risk | Maintenance | ROI Potential |
|---|---|---|---|---|---|
| Residential Plot | Low–Mid | High | Medium | Very Low | High |
| Flat (New) | Mid–High | Low | Low | Medium | Medium |
| Flat (Resale) | Low–Mid | Low | Medium | Medium | Medium |
| Under-Construction | Mid | Medium | High | Medium | High (if early) |
🔍 What Should First-Time Buyers Choose?
- 🧱 Plots: Best for long-term investment or custom-built homes
- 🏙️ Flats: Best for ready-to-move, low-maintenance urban living
- 🏘️ Resale: Best for bargain deals (but needs due diligence)
- 🚧 Under-Construction: Best for future possession with lower entry price
💡 Pro Tip: Always ensure layout approval (for plots) and RERA registration (for flats/under-construction projects).
🧾 Legal Checklist Before Buying Property in India (2025)
No matter how attractive a property deal looks, legal verification is a must. Skipping this step can lead to years of stress, court cases, or even losing your investment.
Here’s a simple, step-by-step legal checklist for first-time buyers in India — especially for those buying in Kalaburagi, Bidar, Raichur, or Hyderabad.
✅ 1. Verify the Land Title
Ensure the seller is the legal owner and has the right to sell the property.
- Ask for RTC (Record of Rights), Mutation Extract, or 7/12 Extract (depending on state)
- The title should be clear, marketable, and encumbrance-free
- Check for joint ownerships or pending inheritance disputes
📝 Tip: Get a lawyer to do a Title Search for the past 30 years.
✅ 2. Ask for the Encumbrance Certificate (EC)
An EC shows whether the property has any loan, mortgage, or legal case against it.
- Apply at the Sub-Registrar’s Office or online in Karnataka & Telangana
- Ask for Form 15 (if there are encumbrances) or Form 16 (if it’s clear)
🧾 Must-have before registration
✅ 3. Layout Approval & Building Permissions
For Plots:
- Check if the layout is DC Converted and approved by KUDA (Kalaburagi), RDA (Raichur), or HMDA (Hyderabad)
- Unapproved layouts may never get water, electricity, or construction permissions
For Flats or Under-Construction Projects:
- Verify RERA registration number
- Ask for Building Plan Sanction, Occupancy Certificate (OC), and Commencement Certificate (CC)
🧱 Without these, your flat may be illegal or unfit for occupancy
✅ 4. Sale Agreement
Before paying any money, sign a Sale Agreement with:
- Buyer & seller details
- Price, payment terms, possession date
- Cancellation/refund clauses
- Stamp paper value & notary
💡 Important: Get this agreement registered if advance exceeds ₹100.
✅ 5. Tax & Dues Check
Ensure the seller has:
- Paid all property taxes up to date
- Cleared any utility bills (water/electricity)
- No pending society dues or government notices
🧾 Ask for receipts and NOCs.
✅ 6. Khata / Patta / Mutation Certificate
These are municipal records showing who is the legal owner and who pays the property tax.
- Khata Extract & Certificate (Karnataka)
- Patta & Chitta (Tamil Nadu)
- Mutation Certificate (Telangana)
You’ll need this for:
- Loan approval
- Building permits
- Utility connections
🧑⚖️ 7. Hire a Property Lawyer
Even if you understand everything above, it’s wise to hire a local property lawyer to:
- Cross-verify documents
- Identify hidden risks
- Draft or review legal agreements
- Represent you during registration if needed
💬 Fees: ₹5,000 – ₹25,000 depending on complexity — a small price for big protection.
📥 Bonus: Download Legal Checklist PDF
✅ Want to save this checklist for later?
❗ Common Mistakes First-Time Property Buyers Make (And How to Avoid Them)
Buying your first property is a big milestone — and also a moment when mistakes can cost you lakhs of rupees or years of regret. Most of these mistakes are avoidable with the right information and a little patience.
Here are the top mistakes first-time buyers make in Kalaburagi, Bidar, Raichur, Hyderabad, and across India — and how you can avoid them.
⚠️ 1. Skipping Legal Verification
Many people trust what the agent or seller says — without verifying documents. This is the biggest mistake.
Result: You may end up buying land that’s disputed, unapproved, or even owned by someone else.
✅ Avoid it by:
- Verifying title, EC, layout approvals
- Hiring a local property lawyer
⚠️ 2. Buying in Unapproved Layouts
Cheap plots in unapproved layouts may look like a good deal — but they often come with no water, road, or electricity in the future.
Result: You can’t construct legally, or your house may be demolished.
✅ Avoid it by:
- Checking if the layout is approved by KUDA, RDA, HMDA, etc.
- Avoiding panchayat layouts unless DC-converted
⚠️ 3. Not Planning for Full Budget
Many buyers only plan for the base property price. They forget:
- Stamp duty & registration
- Interior work
- Legal charges
- Brokerage
- Extra government fees
Result: Loan amount falls short, or you run into unexpected debt.
✅ Avoid it by:
- Making a full budget (as shown earlier)
- Adding a 10%-15% buffer
⚠️ 4. No Site Visit or Night Visit
Photos and videos can be misleading. Without a proper physical visit, you won’t know:
- Water problems
- Narrow or broken approach roads
- Unsafe areas at night
- Nearby drainages or pollution
✅ Avoid it by:
- Visiting during the day and at night
- Talking to neighbours or locals
⚠️ 5. Ignoring Resale & Rental Value
Buying in remote areas just because it’s cheap may lead to poor resale or no rental interest.
Result: You get stuck with a property that’s hard to sell or rent.
✅ Avoid it by:
- Choosing areas near schools, highways, or new development
- Researching resale trends in that locality
⚠️ 6. Not Getting Everything in Writing
Many builders or agents promise things verbally — like extra land, better flooring, free interiors — but don’t deliver.
Result: No proof = no support.
✅ Avoid it by:
- Getting every offer/promise written in the sale agreement
- Avoiding cash deals without receipts
⚠️ 7. Rushing Without Comparison
It’s easy to get emotionally attached to the first property you see. But there may be better deals or better value nearby.
✅ Avoid it by:
- Visiting at least 3–5 properties before deciding
- Comparing price, connectivity, legal status, and builder reputation
✅ Pro Tip: Learn From Others’ Mistakes
Many people in Kalaburagi and Bidar have faced issues with:
- Buying on “Gairan” or government land
- Investing in layouts without road access
- Trusting fly-by-night builders with no RERA number
Don’t let that happen to you. Be informed, be smart.
📞 Book Our Expert Property Services – Make Smart Choices!
Buying property is a big decision. But you don’t have to do it alone.
At Home Fitting, we provide end-to-end property support — trusted by families across Kalaburagi, Bidar, Raichur, and Hyderabad.
✅ Our Services Include:
- 🔍 Free Property Consultation (online or in-person)
- 🧾 Legal Document Verification by Experts
- 🏡 Site Visit Assistance – we shortlist genuine properties
- 🛡️ Builder & Project Background Checks
- 💡 Guidance on Investment Areas & Upcoming Projects