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Home insurance protects the building against fire, flood and theft, while home loan insurance clears your loan if you die or are disabled. Two different covers Bengaluru buyers should not confuse.

A gift deed moves a property within a family for a concessional flat stamp duty instead of the full sale rate, and is generally irrevocable once registered. How gift deeds work in Karnataka and what buyers should watch.

A home loan sanction letter is only conditional approval, while disbursement is the actual release of funds after legal and technical checks, in tranches for under construction flats. What Bengaluru buyers must understand.

An NRI or OCI can freely buy residential and commercial property in India, but generally not agricultural land. The FEMA rules on what NRIs can buy, how to pay and how to repatriate the money.

Monthly maintenance and a one time corpus or sinking fund are the running costs of an apartment beyond the loan. How they are calculated, when 18 percent GST applies, and how Bengaluru buyers should budget.

Open and stilt parking are treated as common areas that a builder generally cannot sell as separate units, with the cost already inside your flat price. What the law says and how Bengaluru buyers should handle a parking charge.