Buying a resale flat in Gurgaon involves costs that differ from buying new. There is generally no GST on a completed home, but there are brokerage fees, society transfer charges, stamp duty on the higher of price and circle rate, and sometimes the cost of closing the seller’s loan. Knowing these upfront helps you compare resale flats fairly and avoid last-minute surprises.
This guide explains each resale cost and how to plan for them. Rates and charges vary and change, so confirm details with your lawyer, the society and your bank.
Buying a resale flat?
Tell us the flat or budget and we will prepare a full resale cost sheet, usually the same working day.
Resale costs at a glance
| Cost | Who usually pays | Notes |
|---|---|---|
| Agreed price | Buyer | On a stated carpet area |
| Stamp duty and registration | Buyer | On the higher of price and circle rate |
| Brokerage | Varies | Often paid by buyer and seller separately |
| Society transfer charges | Varies | Set by the society; agree who pays |
| No-dues clearance | Seller | Seller clears dues before transfer |
| TDS | Buyer deducts | Generally 1% for purchases of ₹50 lakh or more from a resident seller |
| Legal fees | Buyer | Document verification |
| Loan closure coordination | Seller, with buyer’s payment | If the seller has a loan |
Brokerage
Brokerage terms vary. In many resale deals, buyer and seller each pay their own broker. Agree the rate and what services are included in writing before viewing.
Society transfer charges
Most societies charge a fee to transfer membership and records to the new owner. The amount is set by the society. Agree in writing who pays it, and ask the society office for the current charge and process.
No-dues certificates
The seller should obtain no-dues certificates for maintenance, electricity, water and property tax before registration. Unpaid dues can become your problem if not cleared.
Ask the society first
Ask us to confirm the society's transfer charges and no-dues process for each resale flat you like.
Seller’s outstanding loan
If the seller has a home loan, the bank holds the original documents. Usually, part of the buyer’s payment goes to the seller’s bank to close the loan, and the bank releases documents at registration. Coordinate early with both banks.
TDS on resale
When buying from a resident seller for ₹50 lakh or more, the buyer generally deducts TDS at 1% and deposits it. If the seller is an NRI, different and higher TDS rules apply. Get advice from a chartered accountant.
Stamp duty and registration
Stamp duty is charged on the higher of the agreed price and the circle rate, at rates that differ for men, women and joint buyers in Haryana. Registration fees are added. See our guide to stamp duty and registration costs.
Repairs and interiors
Resale flats may need repairs, repainting or new fittings. Get estimates before making an offer and factor them into your budget.
Utility transfers
After registration, transfer electricity, water and gas connections into your name. Some providers charge a small fee or require a deposit.
A resale budget checklist
- Agreed price
- Stamp duty and registration fees
- Brokerage
- Society transfer charges, as agreed
- Legal fees
- Repairs and interiors
- Utility transfer fees and deposits
- A contingency reserve
Questions to ask
- What are the society’s transfer charges, and who pays them?
- Are all dues cleared?
- Does the seller have a loan, and with which bank?
- What fittings and parking are included?
- Is the seller resident or NRI?
Common mistakes
Buyers sometimes forget transfer charges, assume the price includes everything, or overlook the seller’s loan. Ask for everything in writing.
Who this guide suits
It suits buyers comparing resale flats and anyone budgeting for a resale purchase.
Negotiating who pays what
In resale deals, buyer and seller can agree who pays transfer charges, minor repairs or utility arrears. Put these agreements in the agreement to sell to avoid disputes at registration.
Fittings and furnishings
Agree a written list of fittings and furnishings included in the price, such as kitchens, wardrobes, lights and air conditioners. Missing items at handover are a common source of disputes.
Timeline and costs
Delays in registration can add costs, such as extra rent or loan charges. Agree a clear timeline in the agreement to sell, with consequences if either side delays.
Final inspection before registration
Visit the flat just before registration to confirm its condition, check that agreed fittings remain and read meters for utility handover.
Read more
Explore our guides to documents to check before buying a resale flat, verifying maintenance dues and the total cost of buying a flat. Our ready-to-move luxury properties page lists resale options.
How we help
Tell us the resale flat you like or your budget. We will prepare a full cost sheet with brokerage, transfer charges, registration costs and repairs, and coordinate the transfer with the society and banks.
Get a resale cost sheet
Share the resale flat you like or your budget. We will prepare a cost sheet with brokerage, transfer charges and registration costs.
Frequently asked questions
Is GST charged on resale flats?
Generally not on completed homes with an occupation certificate.
Who pays brokerage on a resale?
It varies; often buyer and seller each pay their own broker. Agree terms in writing.
What are society transfer charges?
A fee set by the society to transfer membership and records. Agree who pays.
Who clears outstanding dues?
The seller should clear all dues and provide no-dues certificates.
What if the seller has a loan?
The buyer's payment usually closes it, and the bank releases documents at registration.
Do I deduct TDS on a resale?
Generally 1% for purchases of ₹50 lakh or more from a resident seller. Different rules apply for NRI sellers.
How is stamp duty charged on a resale?
On the higher of the agreed price and the circle rate.
Do resale flats need repairs?
Often. Get estimates before making an offer.
Do I need to transfer utilities?
Yes, after registration.
Can you prepare a resale cost sheet?
Yes, with every charge listed.
Can the seller pay transfer charges?
It is negotiable. Record who pays in the agreement to sell.
What if fittings are missing at handover?
Agree a written list of inclusions in advance to avoid disputes.
Should I inspect the flat before registration?
Yes. Confirm its condition, check fittings and read utility meters.
How long does a resale transfer take?
Often a few weeks with documents ready, depending on loan processing and the society's transfer process.
Do I need the society's approval to buy?
Most societies require a transfer process and charges rather than approval. Ask the society office.
Related guides
- Should You Buy a Ready-to-Move or Under-Construction Flat With a Home Loan in Gurgaon?
- How Much Down Payment Do You Need to Buy a Flat in Gurgaon?
- How to Budget for a Luxury Apartment in Gurgaon Beyond the Purchase Price
- Gurgaon Property Shortlisting Service: Compare Verified Homes Before Visiting
- Homebuyer Checklist for Evaluating a Builder's Track Record in Gurgaon