Buyer Advisory

Buy property with a finance expert on your side of the table.

Most property decisions are made with no independent financial lens — just brochures and a sales team. VJR brings developer-side experience to the buyer's side: loan structuring, project diligence, the real all-in cost, and a plan for the exit.

  • Independent, buyer-side advice
  • Developer-side experience
  • Loan structuring & sanction
  • Diligence before you pay a token
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Not sure where to start? See what a property really costs
The cost buyers don't see coming

The sticker price is never the real price.

The number on the brochure is rarely what leaves your bank account. Here's what stacks on top — and why we model the full cost before you commit, not after.

Line itemIndicative weight

  • Base price

    The per sq.ft. rate the developer quotes you.

    100%

  • Floor rise & PLC

    Charges that climb with every floor, corner, and view.

    1–5%

  • Stamp duty & registration

    State charges payable at the time of registration.

    5–7%

  • GST

    On under-construction units, where applicable.

    up to 5%

  • Parking, clubhouse & amenities

    Frequently billed separately from the base price.

    2–6%

  • Maintenance & corpus

    Advance maintenance plus a one-time corpus payment.

    1–3%

  • Home loan interest

    Accrues over the full tenure, not the headline EMI.

    varies

Indicative ranges for illustration only. Your actual all-in cost depends on the project, location, and loan terms — we'll work it out for your specific purchase.

Advisory services

Two tracks. One objective — a decision you won't regret.

Whether you're buying a home or building a portfolio, the discipline is the same: know the cost, verify the project, and plan the exit. The engagement is tailored to which one you are.

For home buyers

Buying a home to live in

A once-in-a-decade decision deserves more than a weekend of site visits. We work the numbers and the paperwork alongside you.

  • Home loan structuring & sanction

    We match the loan to your cash flow and negotiate terms, not just the advertised rate.

  • Project shortlisting & comparison

    A shortlist scored on total cost, delivery record, and location fundamentals.

  • Price & terms benchmarking

    What comparable units are actually transacting at, before you start negotiating.

  • Registration, stamp duty & tax

    The paperwork and your tax position handled together, not in separate silos.

For investors

Building a property portfolio

A property is a financial instrument. We treat it like one — modelling the yield, the holding period, and the exit before you buy.

  • Rental yield & cash-flow modelling

    What the property earns net of maintenance, vacancy, and tax — not the gross pitch.

  • Appreciation & exit horizon

    A realistic view of the holding period before the numbers work in your favour.

  • Portfolio & locality analysis

    Localities compared on connectivity, supply, and demand — not sales hype.

  • Capital gains & NRI planning

    Exit, indexation, and repatriation structured before you enter the deal.

Before you commit

What we verify before you pay a single rupee.

The expensive mistakes in property are rarely about price. They are about approvals, title, and delivery — and they are almost always visible before you sign, if someone looks.

RERA registration

Is the project registered, and does the declared completion date hold up against the sales pitch?

Approvals & sanctions

Plan approvals and clearances from the competent authority — in order, and current.

Title & encumbrance

A clean, traceable ownership chain with no liens — and no pending litigation on the land or developer.

Khata, OC & CC

Khata status, occupancy certificate, and completion certificate, so the property is legally habitable.

Builder track record

Past delivery timelines and quality, project by project — not just the current brochure.

Price benchmarking

How the asking price compares with what comparable units are actually transacting at nearby.

Second opinion

Already looking at a project?

Tell us what you're considering — we'll tell you what a proper review would surface.

Can I afford this?

The loan should fit your life, not the other way round.

An EMI that looks comfortable on paper can quietly strain everything else. We structure the finance around your real cash flow — and plan the down payment before you fall in love with a property.

  • We size the loan to your cash flow, not the maximum the bank is willing to lend.
  • Co-applicant and joint-ownership strategy to strengthen eligibility.
  • Balance-transfer and refinance options on an existing home loan.
  • Pre-approval before you commit, so you negotiate from a position of strength.
  • Lender comparison across banks and NBFCs, coordinated through to sanction.

What we assess

Income & stability
Salary or business income, and vintage
FOIR
Existing EMIs against your take-home pay
Credit score
CIBIL band, and clean-up if needed
Loan-to-value
The down payment you'll need to arrange
Co-applicant
Adding a spouse or parent to strengthen the file
Rate & tenure
Structuring the EMI around your cash flow
For property investors

A property is an instrument. We ask if it will earn its keep.

For an investor, the question isn't whether a property is nice — it's whether it earns. We model the returns and the exit before you commit capital.

Rental yield

The net yield after maintenance, vacancy, and tax — not the headline gross number a listing shows.

Appreciation

A realistic forward range for the locality, weighed against supply, connectivity, and demand.

Holding period

How long the numbers need before they work in your favour — and what a premature exit actually costs.

Exit & taxation

Capital gains, indexation, and repatriation for NRIs planned before entry, not scrambled at sale.

Returns are modelled from locality data and your specific numbers — they are projections, not guarantees. We'll walk you through the assumptions behind every figure.

The buyer's journey

From first question to keys in hand.

  1. 01

    Share your requirement

    Budget, location, purpose, and timeline — we start from what you can actually afford.

  2. 02

    Shortlist & benchmark

    Projects scored on total cost, delivery record, and location fundamentals.

  3. 03

    Structure the finance

    Loan, down payment, and cash flow mapped out before you commit to anything.

  4. 04

    Diligence & documentation

    Title, approvals, agreement review, and registration handled end to end.

  5. 05

    Register & move in

    Possession, handover, and your post-purchase tax position — sorted.

Why VJR for real estate

We've sat on the developer's side of the table.

Most property advice comes from the party selling you the property. Ours comes from years of advising the developers who build it — a perspective almost no buyer gets to see.

“I've spent years on the developer's side — building the financial models that price projects. I know where the margin sits, and that's exactly what a buyer should know before they sign.”
Vijayaraj HK · Founder, VJR Advisory Group
  • Led by a finance professional who has worked directly with leading Bangalore developers
  • We've built the financial models developers use to price projects — so we know where the margin sits
  • Independent, buyer-side advice — we are not paid by any developer or broker
  • Loan structuring and sanction coordinated in-house by chartered accountants
  • Diligence, registration, and taxation handled under one roof, not farmed out
  • Rental-yield and exit modelling on every investment purchase
  • Our office is open for walk-ins — meet us in person whenever you like
  • 45+ years of combined CA experience across the team
How we work with you

Choose the level of support you need.

Some buyers want a single sanity check; others want the whole transaction managed. Pick where you want us — you can always step up as the purchase progresses.

Single consultation

One decisive conversation

Best when you want an independent second opinion before you commit.

  • Independent review of a specific project or deal
  • Cost-of-ownership and loan opinion
  • 30–45 minute session with an advisor
  • Written summary of our view
Most common

Advisory retainer

Ongoing support across the search

Best when you're actively comparing projects over several weeks.

  • Everything in a single consultation
  • Shortlist and compare multiple projects
  • Loan structuring and lender coordination
  • Diligence support on your chosen project

End-to-end transaction support

We handle the whole purchase

Best when you want the entire transaction managed for you.

  • Everything in the advisory retainer
  • Full due diligence and documentation
  • Registration, stamp duty, and tax filing
  • Post-purchase and exit planning

Fees are quoted after a short scoping call, based on the project and the scope of work — there are no fixed packages. You'll know the cost before we begin.

Common questions

Common questions on real estate

Still have questions?

Book a call

Make your next property decision with confidence.

Whether you're buying your first home or adding to an investment portfolio, our advisors bring developer-side experience to your side of the table.

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Free initial consultation · Independent buyer-side advice · PAN-India service