Costs and loans

The total cost of buying a 3 BHK in Pune, beyond the base price

By Prime Picks | Space Decisions Realty · 23 October 2026

A brochure shows one number. The real cost of buying a 3 BHK in Pune has several more. Some depend on the law at the time you buy, so we do not quote rates here. Instead, here is the list to ask for, with who sets each one.

The base price

This is the agreement value for the flat. At Lodha Wakad, the sales material indicates about ₹2.20 Cr for the 3 BHK and about ₹2.80 Cr for the 3 BHK with study. These are indicative and are not a quotation.

Taxes and government charges

• GST on an under-construction flat, charged as applicable. Ask the seller to state the rate on the cost sheet, and check it against the current notification.
• Stamp duty on the agreement. The state sets it, and the amount depends on the value used for calculation.
• Registration charges. Also set by the state.

Because rates change, ask the seller to show the current figures and cross-check on the state's official website or with a lawyer.

Charges set by the project

• Parking. Ask whether it is part of the price or extra.
• Floor rise or preferential location charges, if any.
• Club or amenity charges.
• Maintenance deposit, corpus fund and the first period's maintenance.
• Legal and documentation charges.
• Utility connections such as electricity and water meters, if they are charged separately.

Costs you pay outside the project

• Home loan costs: processing fee and, in some cases, legal or valuation fees charged by the bank.
• Interior and furnishing. A fully fitted home may still need curtains, furniture and storage.
• Moving costs.
• Pre-EMI interest while the home is under construction, if you take a loan.

How to build your total

1. Ask for the full cost sheet.
2. Add each line to a simple sheet.
3. Add your own costs from the second list.
4. Compare the total with your budget, not the base price.
5. Keep a reserve for items that were unclear.

Get it in writing

Ask the seller to sign a one-page total outlay. If a line is "to be informed later", ask for an estimate.

Our price and cost guide has a checklist you can take to the gallery, and our 3 BHK with study vs 4 BHK guide helps you compare layouts before you compare totals.

This note is general information for buyers, not legal, tax or financial advice. Figures for Lodha Wakad come from developer sales material and are indicative. Rates and rules change, so confirm current details with the developer, MahaRERA and a qualified professional.