How do you use the negotiation savings calculator?
- Enter the price you were quoted and pick the property type.
- Enter the discount you expect to get, as a percentage. The hint shows the price you would pay.
- Set your down payment. The loan stays within RBI limits on both prices.
- Open “Adjust rates and loan” to change the loan rate (8.5% by default), the tenure (20 years) or the stamp duty rates.
What does a lower price save you?
A discount saves more than the amount off the price. Stamp duty, cess, surcharge and registration are charged on the value, so they fall too. On a new flat, so does the GST. And because the loan is a share of the price, the EMI and the interest over the loan come down as well.
The calculator shows the money you keep on the day you buy as the headline. Interest saved is shown separately, because it is spread over many years.
Formulas used by the calculator
Negotiated price = Quoted price × (1 − discount %)Price saved + (Govt charges on quoted − on negotiated) + (GST on quoted − on negotiated)Loan = min(Price × (1 − down payment %), RBI limit)(EMI × months − loan) on quoted − the same on negotiatedWorked example: ₹ 48 L new flat, 7% off
The negotiated price is ₹ 44,64,000, a saving of ₹ 3,36,000. At ₹ 48 L the flat pays 5% stamp duty. At ₹ 44,64,000 it is a first sale under ₹ 45 L, so the duty drops to 3%. Government charges fall from ₹ 3,64,800 to ₹ 2,39,270, a saving of ₹ 1,25,530. GST at 5% falls by ₹ 16,800.
On the day you buy, you keep ₹ 4,78,330. With 25% down at 8.5% over 20 years, the EMI is ₹ 2,187 lower and you pay ₹ 2,72,859 less interest over the loan.
How much does each discount save on a ₹ 1 crore resale flat?
| Discount | Off the price | Duty & registration | Lower EMI | Interest saved |
|---|---|---|---|---|
| 2% | ₹ 2,00,000 | ₹ 15,200 | ₹ 1,302 | ₹ 1,62,416 |
| 5% | ₹ 5,00,000 | ₹ 38,000 | ₹ 3,254 | ₹ 4,06,041 |
| 8% | ₹ 8,00,000 | ₹ 60,800 | ₹ 5,207 | ₹ 6,49,665 |
| 10% | ₹ 10,00,000 | ₹ 76,000 | ₹ 6,509 | ₹ 8,12,082 |
Watch the ₹ 45 lakh line on a new flat
The first sale of a flat pays 3% stamp duty up to ₹ 45 L and 5% above it. A flat quoted just above ₹ 45 L can save far more than the discount itself if the final price comes in at or below ₹ 45 L. Duty is charged on the higher of the agreed price and the government’s guidance value, so check the guidance value for the property too.
For the full list of costs at your price, use the hidden cost calculator. To check the loan side, try the home loan EMI calculator.
Which buying costs apply in Bengaluru?
On a sale deed in Bengaluru, Karnataka charges 5% stamp duty on the market value (Karnataka Stamp Act, Schedule Art. 20(1)), a 10% cess on the duty (s.3B) and, inside the Greater Bengaluru Area, a 2% surcharge on the duty (Greater Bengaluru Governance Act 2024, s.170). The registration fee is 2% (IGR notification of 29 Aug 2025, in force from 31 Aug 2025). Together that is 7.6% of the value. The first sale of a flat pays less duty: 2% up to ₹ 20 L and 3% above ₹ 20 L up to ₹ 45 L, so the total is 4.24% or 5.36%. Resale flats, plots and houses pay 5% at any price. Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.
Frequently asked questions
Related answers and guides
- Home Loan Down Payment: RBI's LTV Limits Explained
- Home Loan for a Resale Flat: How It Differs
- Stamp Duty and Registration Charges in Bangalore 2026
- Before Property Registration in Bengaluru: 20 Checks
Sources
- Stamp duty 5% (Schedule Art. 20(1)), first-sale flat slabs (Art. 20(2A)) and 10% cess (s.3B): Karnataka Stamp Act 1957, consolidated copy (DPAL); ₹ 35–45 L slab: Karnataka Stamp (Amendment) Act 2021.
- 2% surcharge on duty in the Greater Bengaluru Area: Greater Bengaluru Governance Act 2024, s.170.
- Registration fee 2%: IGR Karnataka, Table of Registration Fees (Notification RD/46/MNMU/2025) and IGR press note, 29 Aug 2025.
- Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.
- GST 5% / 1%: CBIC real estate FAQ.
- RBI loan-to-value limits: RBI Master Circular on housing finance.
Results are indicative. Legal terms in the agreement matter as much as the price; have a lawyer review it before you sign. Indicative only. Please verify with your Chartered Accountant before acting.
Negotiating on a Bengaluru flat? Talk to an acre&key advisor.