Because What You See in the Brochure Is a Lie. Always.
EduInvesting tears apart your dream home budget with Excel, sarcasm, and despair.
📸 Scene 1: The Salesman Said “Only ₹49.99 Lakh Sir!”
You: “Wow! That’s almost in budget!”Builder:evil grin intensifies
By the time you move in, that ₹49.99 lakh flat has cost you₹1.1 crore, 6 mental breakdowns, 17 cheques, and a lifetime of EMIs.
Let’s break it down. Line by bloody line.
🧾 Cost Breakdown – “Dream Flat” Edition
| 💸 Cost Head | Amount |
|---|---|
| Basic Sale Price | ₹49,99,999 |
| GST @ 5% | ₹2,49,999 |
| Floor Rise Charges | ₹2,50,000 |
| Clubhouse, Maintenance Deposit | ₹2,00,000 |
| Parking Charges | ₹3,50,000 |
| Stamp Duty (6%) | ₹3,00,000 |
| Registration Charges | ₹30,000 |
| Brokerage (if resale) | ₹50,000 |
| Loan Processing Fees | ₹10,000 |
| Interior & Furniture | ₹6,00,000 |
| EMIs Over 20 Years (₹35K/month) | ₹84,00,000 |
Total Cost: ₹1.11 CRORE✅ Congratulations, you bought a ₹1.1 Cr flat that you thought was under ₹50 lakh.
🧠 But Why Does It Work Like This?
🏗️ Builders Sell “Base Price” Dreams
- Base price = clickbait
- Actual price = stress, tax, and hidden “plc” fees
PLC = “Preferential Location Charges”Even if it’s next to the nala.
🏦 Bank Loans Make You Feel Rich
- ₹35,000/month EMI? “Easy bro”
- For 20 years? “Uhh… wait…”
You end up payingdoublethe cost in total
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