Property For Sale In Agra

1. Why choose a RERA-registered project in Agra?

• The UP RERA website allows you to search registered projects by name or registration number, and view developer credentials, approvals, and timelines www.bajajfinserv.in.
• RERA registration offers transparency, legal protection, and smoother access to bank financin

2. What are the stamp duty and registration fees in Agra?

As of 2024, stamp duty in Agra varies by ownership:

• Men: 7% + 1% registration
• Women: 6% (with rebate) + 1%
• Man + Woman: 6.5% + 1%
• Two Women: 6% + 1% Housing+1

Example (₹10 lakh property):

• Man: ₹80,000
• Woman: ₹70,000
• Man + Woman: ₹70,000
• Two Women: ₹60,000 Housing+1

Gifts within family (Uttar Pradesh Amendment 2024): Flat ₹5,000 stamp duty + ₹1,000 processing fee

3. What documents do I need for property registration in Agra?

Required documentation includes:

• Sale agreement & sale deed
• Encumbrance certificate
• Property tax receipts
• NOC (if needed)
• Occupancy/completion certificates (for constructed property)
• PAN and Aadhaar (buyer, seller, witnesses)
• Proof of stamp duty and registration payment HousingEduvast

Common additional items (mentioned in discussion threads):

• Khata certificate, 7/12 extract (especially for land), mutation, title and possession documents

4. How do I verify there are no existing claims or disputes on the property?

Obtain an Encumbrance Certificate (EC) from the sub-registrar’s office—it reveals if others have any legal claim on the property Reddit.

Engage a lawyer or bank’s legal team for due diligence—SBI and many banks check through two lawyers to ensure clear title Reddit.

Look out for red flags such as unregistered sale agreements, missing documents, or absence of token agreements upon advance payment

5. What are safe practices when paying for the property?

Avoid paying large sums in cash—only up to ₹20,000 cash is allowed; excess can invite issues during registration or tax scrutiny Reddit.

Prefer RTGS or bank transfers, especially for amount equal to or above the circle rate.

Always get sale agreements registered, and ensure any advance payment (“token”/“bayaana”) is documented on stamp paper and included in the registered deed

6. What finance options are available for property in Agra?

Plot loans are available at interest rates as low as ~7.99% p.a.; some lenders offer composite loans that cover both plot purchase and construction Raj Darbar Space Agra.

Home loan schemes from banks like Bank of India start around 8.45%; NBFCs may offer more flexible terms Raj Darbar Space Agra.

The Pradhan Mantri Awas Yojana (PMAY) and local schemes like Shastripuram Yojna (via ADA) may offer subsidies or cheaper plots for eligible buyers

7. Any real buyer tips and experiences (from forums)?

“At least in Bangalore there are lawyers who check all the history and litigations… the standard rate was 10k.”
“Apply for home loan—even if you have the funds—as the bank will do full due diligence.”
Reddit

“Check RERA registration, builder reputation, approval status, bank financing—prefer SBI as they’re stringent—and verify land use, water, connectivity.”

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