Buyers routinely budget to the agreement value and then find another eight to ten percent waiting for them. Here is the full list, in the order you will encounter it.

Stamp duty

Maharashtra levies stamp duty on the agreement value, with a concession available where the buyer is a woman. On a ₹1.5 Cr agreement this is a substantial line item and it is payable at registration, not at possession.

Registration charges

A separate charge from stamp duty, capped at a fixed ceiling for higher-value transactions. Small relative to stamp duty, but it is due at the same moment.

GST

Applicable on under-construction property only. A ready-possession home with an occupancy certificate attracts no GST, which is a genuine and often overlooked saving when comparing a ready flat against an under-construction one.

The developer's charges

Society formation, share money, advance maintenance, infrastructure charges, and often a corpus fund contribution. These vary widely between developers and are negotiable more often than buyers assume. Ask for the full schedule in writing before you pay the token.

Loan costs

Processing fees, legal and technical valuation, and mortgage-related stamp duty. Some lenders waive the processing fee during promotional periods — worth asking directly.

A working rule

Budget an additional ten percent over the agreement value and you will rarely be surprised. Budget nothing and you will be, every time.