Fully compliant
A-Khata
The property meets building bylaws and sits on the BBMP’s A register. Plan approvals and bank loans come easily.
What we do: confirm it, and that it matches the seller.
Chapter 05 · Loans & Khata
Funded, filed, handed over.
We handle the home-loan file and the khata checks with you, and take no commission from any bank.
Your EMI, worked out live
Use the rate your bank quotes you. Indicative only: the bank’s sanction letter is the final word.
Monthly EMI₹69,426
- Principal
- ₹80,00,000
- Interest
- ₹86,62,206
- Total payable
- ₹1,66,62,206
How much a bank will lend
The rest is your down payment.
RBI caps home loans at a share of the property’s value. Stamp duty and registration are on top, and are not financed.
Before you sign
Three words that decide your loan.
A khata identifies a property and its owner for property tax in Bengaluru. Which one a flat has changes what a bank will do.
Restricted
B-Khata
Revenue layouts or building violations go on the B register. Loans, approvals and resale are restricted until it is converted to A-Khata.
What we do: flag it before you fall for the flat.
Digital
e-Khata
The khata now issued online, needed at registration. It ties the property record to the owner in the city’s digital system.
What we do: check it is in place before the sale deed.
The loan file, with you
Paperwork is a service, not a favour.
Documents
We list what your bank needs, check it before it goes, and chase what comes back.
Valuation
We coordinate the bank’s valuation visit with the developer, so the file is not stuck waiting.
Follow-up
We follow the file to sanction and disbursement. No commission from any lender, so the bank we suggest is the better deal for you.
Next chapter · 06
Why we exist
The brokerage is the problem. Here is what happens when you take it out.