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Total Ownership Cost Calculator
The advertised price is just the beginning. See what you'll ACTUALLY spend over 5 years — including charges builders don't mention upfront.
₹1.50 Cr
1650 sqft
Floor 4
1 slots
₹15.0 L
80% (₹1.20 Cr)
Advertised Price
₹1.50 Cr
Actual Total (5yr)
₹2.04 Cr
Hidden Costs
₹53.8 L
Monthly EMI
₹104.1K
⚠️ The advertised price is only 74% of your actual 5-year spend. You need an additional ₹53.8 L beyond what the builder quotes.
🏠 One-Time Purchase Costs — ₹1.83 Cr
Property Base Price₹1.50 Cr
Floor Rise₹1.5 L
Parking (covered)₹5.0 L
Club Membership₹3.0 L
GST₹7.5 L
Stamp Duty (5%)₹7.5 L
Surcharge (1%)₹1.5 L
Cess (0.5%)₹0.8 L
Registration (1%)₹1.5 L
Franking Charge (0.1%)₹0.1 L
MODT (Mortgage Deed)₹0.6 L
MODT Registration₹0.0 L
Loan Processing Fee₹0.6 L
Legal & Documentation₹0.5 L
Khata Transfer₹0.2 L
BESCOM Deposit₹0.1 L
BWSSB Deposit₹0.1 L
Corpus Fund₹2.0 L
Third Party Assessment (bank)₹0.3 L
Subtotal₹1.83 Cr
🎨 Interior & Fit-out — ₹15.0 L
Typical breakdown for a 1650 sqft apartment. Actuals vary by vendor and finish quality.
Interior Fit-out₹15.0 L
Modular Kitchen₹3.8 L
Wardrobes₹2.3 L
Painting & False Ceiling₹1.8 L
Electrical & Plumbing₹1.5 L
Flooring Upgrade (if any)₹1.2 L
🔄 Recurring Costs (5 years) — ₹6.1 L
Monthly Maintenance₹7425/month
Maintenance (5 yrs)₹4.5 L
Sinking Fund (5 yrs)₹0.4 L
Property Tax (5 yrs)₹0.8 L
Home Insurance (5 yrs)₹0.4 L
Subtotal₹6.1 L
🏦 Loan Cost (first 5 years of 20yr loan) — ₹62.5 L
Loan Amount₹1.20 Cr
Interest Rate8.5% p.a.
Monthly EMI₹104139
EMI paid (5 yrs)₹62.5 L
Interest portion (5 yrs)₹32.5 L
Principal repaid (5 yrs)₹30.0 L
Total interest over full 20 years: ₹1.30 Cr
Estimates based on Karnataka rates (2024-25). Actual costs vary by project, builder, and negotiation. Stamp duty/registration rates subject to government revision. Interior costs are approximate averages. Consult a CA for tax implications.