How to Buy Property in Mumbai: A Step-by-Step Guide for 2026
From budgeting and RERA checks to stamp duty and registration — a practical checklist for buying a home in Mumbai.
Quick answer: Fix your all-in budget (price + stamp duty + registration + GST if under construction), shortlist by location and possession date, verify the project on MahaRERA, inspect the title documents, negotiate, sign the agreement for sale, pay stamp duty and register at the Sub-Registrar office.
1. Set an all-in budget
Beyond the agreement value, plan for stamp duty, registration fees, GST on under-construction homes, society charges, legal fees and interiors. A home loan pre-approval tells you exactly how much you can borrow.
2. Choose the right location
Commute, schools, Metro access and future infrastructure matter more than the brochure. Western Suburbs like Andheri, Goregaon, Malad and Kandivali offer a wide mix of new launches and ready homes.
3. Verify the project on MahaRERA
Every registered project has a RERA number. Check the approved plans, completion date, litigation and the developer’s past delivery record on the MahaRERA portal.
4. Check the paperwork
- Title deed and 7/12 or property card
- Commencement and occupation certificates
- Society NOC and share certificate (resale)
- Encumbrance and loan-free status
5. Negotiate, sign and register
Once terms are agreed, sign the agreement for sale, pay stamp duty online and complete registration with biometric verification at the Sub-Registrar office.
Need help?
A2Z Realtors handles shortlisting, site visits, negotiation and documentation end-to-end. Talk to an advisor.
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