Purchasing a home entails a number of formalities from financial obligations to legal paperwork. Further, if one avails of a Home Loan, there will be several miscellaneous charges and fees attached apart from the Home Loan interest rates. One such fee is the registration charges. Besides, you will also be required to pay processing fees, service charges, administrative fees and so on. So yes, registration charges are indeed mandatory to be paid and must be taken into consideration while evaluating the actual cost of the housing loan. Let us learn more about stamp duty and registration charges.
Read Also: Quick Guide to Securing a Better Interest on Home Loans
What is a Stamp Duty Charge?
A Stamp duty is a tax on homebuyers who need to pay the government towards the sale or purchase of any property under the Indian Stamp Act, of 1899. It is levied while transferring the title of a property to another person. This fee is a fixed percentage of the property value, set by the local authorities, to validate your registration agreement. A registration document with stamp duty serves as legal proof of property ownership.
What is a Property Registration Fee?
A specific fee is levied for registering the house in your name, which is known as a property registration fee. This fee is usually 1% of the property’s market value or total cost of the property. However, it should be noted that the registration fees may vary based on the type of property you are purchasing. Borrowers can also claim tax exemptions on property registration and stamp duty up to a maximum limit of Rs.1.5 Lakh under Section 80C of the Income Tax Act.
Can I Get a Home Loan Inclusive of Registration Charges?
Among all the property-related charges, stamp duty and registration fees are two overhead costs not covered by Home Loans. Some lenders may, however, offer higher loan amounts that could include the cost of registration. These charges can go up to 7% – 10%* of the property value and differ from state to state as per government discretion. Hence, it is essential to keep aside adequate funds to meet these expenses. Stamp duty and property registration are mandatory facets of the homebuying process.
Also Read: 9 Common Myth about Home Loans You Need to Know
Registration and Stamp Duty Charges in India
The table below shows the prevailing stamp duty and registration charges levied in different Indian cities and states. (Note that these are subject to change and may not be relevant for all times)
City | Stamp Duty | Registration Charges |
---|---|---|
Delhi | 4% - 6% | 1% of the property value |
Mumbai | 3% -6 | 1% of the deal value |
Uttar Pradesh | 7% | 1% of the house cost |
Rajasthan | 5% - 6% | 1% of the property price |
Kerala | 8% | 1% of the home valuation |
Property Registration Process
The Indian Registration Act of 1908 mandates all properties to be registered in the area they are located by the respective sub-registrar. The process includes the following steps:
- Check your property’s value to calculate the applicable stamp duty.
- Purchase non-judicial stamp papers of the required amount. They can be purchased either online or offline.
- Hire an attorney to prepare the sale deed on your behalf.
- Pay the applicable charges for stamp duty and property registration.
- Visit the sub-registrar’s office to register the deed with two signatory witnesses.
- Submit requisite documents such as identity proof, address proof and a No-Objection Certificate for the property.
- The registration process will be completed after document verification. Then, the original documents will be handed over to you while the registrar’s office maintains their copies.
Also Read: Your Guide to Home Loan Sanctioning and Disbursement Process
How to Save on Registration and Stamp Duty Charges?
Many state governments extend concessional rates on stamp duty for joint ownership by a couple or home registrations by female buyers. Similarly, properties registered under urban and rural areas will have different stamp duties.
The government decides circle rates for a property primarily based on its location. Thus, an affluent neighbourhood will have a higher circle rate compared to one with developing facilities. Circle rates are usually lower than market rates.
You can register your house at the circle rate even if you buy it at the market price. In that case, the stamp duty and registration fee will be computed on the registered value granting you substantial savings. Property sellers stand to benefit from circle rate registrations as well. They can save on Capital Gains Tax and the difference in rates may be declared as the Deed of Transfer of Rights (DOTOR) fee that a buyer is required to pay the seller through a signed agreement.
However, the buyer should have substantial funds in hand—about 30% to 40% of ready cash while conducting property transactions at circle rates. This way the Home Loan amount will also reduce, as the sale deed will reflect the circle rate and not the market price. In spite of registering at the circle rate, if your lender offers Home Loans on the registered value or market value and not the sale deed price, you can still secure the desired loan amount.
To Conclude
It is compulsory for homebuyers to pay stamp duty and registration charges to complete the legal formalities of their property purchase. To avoid any confusion regarding these costs, you can assess the exact charges involved through the Stamp Duty Calculator. You just need to select the state and city where your property is located from the drop-down menu and enter the property value. The stamp duty percentage and charges will instantly appear on the screen. This tool helps you arrange for the applicable amount in advance for easier home ownership.
*Terms and conditions apply.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan