First-Time Home Buyer? Your 10-Step Checklist for 2026

Buying your first home? Follow this checklist before signing the agreement.

Step 1: Budget Beyond the Property Price

Budget beyond the home price—keep an extra 12–15% for taxes, interiors, and other costs.

Step 2: Get Home Loan Pre-Approved

Get a pre-approved loan and aim for a CIBIL score above 750 for better interest rates.

Step 3: Verify the RERA Number

Choose only RERA-registered projects for transparency and buyer protection.

Step 4: Check Every Legal Document

Check land title, Commencement Certificate, and litigation history before investing.

Step 5: Visit the Site More Than Once

Visit at different times and seasons to assess sunlight, traffic, and the neighbourhood.

Step 6: Compare Carpet Area

Compare homes using RERA carpet area for an accurate price and space comparison.

Step 7: Evaluate the Neighbourhood

Check schools, hospitals, transport, and future infrastructure within 3 km.

Step 8: Read Before You Sign

Review possession, payment terms, specifications, and penalties before signing.

Buy Smart. Buy with Confidence.

Start your home-buying journey with RERA-registered homes by Kolte-Patil.

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