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EVERYTHING YOU NEED TO KNOW BEFORE YOU BUY

Real Estate FAQs,Answered by Experts

From RERA verification and home loans to possession, registration, and NRI buying — every question Gurgaon property buyers ask us, answered clearly by the KMA Global Property advisory team.

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Company Basics

Who we are, where we're based, and how to reach us

KMA Global Property is a Gurugram based real estate consultancy that helps individuals and families buy, sell, and invest in residential and commercial properties across Delhi NCR. Alongside direct buyer advisory, we also give independent brokers a free platform to list their inventory on our website, widening reach for both sides of a transaction.
Our office is at Plot No. 3A, Sector 106, Dwarka Expressway, Gurugram, Haryana, India – 122006 — right in the middle of one of Gurugram's fastest-developing corridors, which also happens to be where a large share of our listed projects are located.
You can call our team directly at +91-9056580022, write to us at info@kmaglobalproperty.com, or fill out the contact form on our website and an advisor will get back to you the same working day.
Yes. Beyond showing you available units, our advisors walk you through pricing context, location trade-offs, and investment potential for each shortlisted option, so your final decision is based on a full picture rather than a single listing sheet.
No. Basic consultation and property guidance from our team is free of cost for buyers in almost all cases — you can discuss your requirements and shortlist options without any upfront charge.
Yes. KMA Global Properties Pvt. Ltd. is a RERA-registered real estate consultancy (RERA No. GGM/3440/3035/2025/317) based in Gurugram, dealing in both residential and commercial property transactions.
Our primary focus is Gurugram, with a particular concentration along Dwarka Expressway and the sectors surrounding it, though we also take on select projects and assignments across the wider Delhi NCR region.

New Launch & Buying Basics

Understanding pre-launch, pricing, and safety of early booking

A new launch is a project just introduced to the market — usually at foundation stage or early construction. Booking early is generally safe if the project is RERA registered, the builder has a credible delivery track record, and land title and statutory approvals (environmental clearance, layout sanction) are verified. KMA Global Property only lists RERA verified new launch projects, and our advisors run this verification for you before you book.
Pre-launch pricing rewards early buyers and helps builders gauge demand before the formal public launch. Prices typically rise in phases as construction progresses, inventory reduces, and the project nears possession — so buyers who enter early usually capture the most price appreciation over the project lifecycle.
Before booking, verify the project's HRERA registration certificate, sanctioned building plan and layout approval, land title clearance, environmental clearance (for larger projects), and the developer's past delivery record. Also review the Application Form and draft Builder-Buyer Agreement for payment schedule, possession date, and cancellation terms.
The unit price and builder agreement terms remain exactly the same whether you book directly or through us — RERA mandates a single price list per project. Booking through KMA Global Property gets you an independent advisor who compares projects objectively, negotiates on your behalf, and supports you through documentation, loan coordination, and possession, at zero extra cost.

RERA & Legal Compliance

Registration, verification, delays, and buyer protection

RERA (Real Estate Regulation and Development Act, 2016) requires builders to register every project, publicly disclose layout and approval details, deposit a fixed portion of buyer funds in an escrow account reserved for construction, and commit to a stated possession date. In Haryana, this is regulated by HRERA, and it significantly reduces the risk of fund misuse and indefinite delays.
Visit the official Haryana RERA portal (haryanarera.gov.in) and search by project name or registration number. This shows the sanctioned layout, promoter details, approved possession timeline, and any complaints filed against the project. Always cross-check the RERA number printed on the brochure and agreement against the official listing before paying any amount.
If possession is delayed past the date committed at RERA registration, buyers can either withdraw with a full refund plus interest, or continue with the booking and receive monthly interest compensation for the delay period, as prescribed under the RERA rules, until possession is finally handed over.
No. The quoted "starting price" is the base sale price of the unit. Stamp duty, registration charges, GST, PLC (preferential location charge, if applicable), EDC/IDC, and club membership are additional and payable separately at their respective stages. Your KMA advisor provides a full cost breakup before you book, so there are no surprises.

Payment Plans & Home Loans

CLP vs down payment, loan eligibility, and true cost of ownership

In a CLP, payments release in installments tied to construction milestones (foundation, slab casting, brickwork, finishing, possession), spreading your financial commitment over the build period. In a DPP, 90–95% is paid upfront in exchange for a price discount from the builder. CLP suits buyers who prefer to pay as the project progresses; DPP suits those comfortable paying early for maximum price benefit.
Banks typically finance up to 75–90% of a property's value depending on the ticket size — this is the Loan-to-Value (LTV) ratio set by RBI guidelines. The exact eligible amount depends on your income, existing obligations, credit score, and the lender's assessment. Our advisors can connect you with partner banks for a pre-approval estimate before you shortlist a project.
Yes, banks and NBFCs finance RERA registered under-construction projects, disbursing the loan in stages that match your construction linked payment plan. Interest is generally charged only on the amount disbursed so far (pre-EMI), and full EMIs begin once the loan is fully disbursed, typically around possession.
Beyond the base sale price, budget for PLC (preferential location charge for corner/park-facing/higher-floor units), EDC/IDC (external/internal development charges), GST, stamp duty and registration, club/amenity membership, a one-time maintenance deposit, and power backup or meter installation charges. Together these can add 8–15% over the base price.

Booking Process & Documentation

Step-by-step process, KYC, and agreements you'll sign

Typically: 1) Share your budget, location, and configuration preference with our advisor. 2) Shortlist projects and complete a guided site visit. 3) Confirm your unit and pay the booking amount. 4) Submit KYC and sign the Application Form. 5) Receive the Allotment Letter and execute the Builder-Buyer Agreement. 6) Follow the agreed payment plan through construction to possession and registration.
For resident Indian buyers: PAN card, Aadhaar card, address proof, passport-size photographs, income proof (salary slips or ITR), and bank statements if you're applying for a loan. NRI buyers additionally need a valid passport, OCI/PIO card (where applicable), and an NRE/NRO account for remitting funds.
Refund terms vary by builder and are specified in the Application Form and RERA registered Builder-Buyer Agreement. Under RERA, cancellation terms must be transparently disclosed upfront; typically an administrative charge is deducted before the balance is refunded. Ask your KMA advisor for the exact cancellation clause of your chosen project before booking.
The Allotment Letter is issued after your booking amount is received, confirming your unit number, floor, area, and price. The Builder-Buyer Agreement is the detailed, RERA mandated legal contract covering the payment schedule, possession timeline, specifications, penalty clauses, and both parties' obligations — it's the most important document to review carefully before signing.

Possession & Registration

Handover checklist, OC/CC, and registry costs

Before signing the possession letter, inspect the carpet area against the agreement, check plumbing, electrical points, doors, windows, waterproofing, and fittings against the specification sheet, confirm the Occupation Certificate is in place, and note any snags in writing for the builder to rectify before or shortly after handover.
Registration happens at the sub-registrar office covering the property's jurisdiction, where stamp duty and registration charges are paid based on the property's circle rate or transaction value, whichever is higher. These charges are borne by the buyer and are separate from the unit's base sale price — our team can coordinate the registry appointment for you.
A Completion Certificate confirms the building is constructed as per the sanctioned plan, while the Occupation Certificate is the final civic approval confirming the building is fit for people to move in, with functional water, sewage, and electricity connections. Taking possession without an OC carries legal and safety risk — always ask for it before moving in.
The Allotment Letter is issued after your booking amount is received, confirming your unit number, floor, area, and price. The Builder-Buyer Agreement is the detailed, RERA mandated legal contract covering the payment schedule, possession timeline, specifications, penalty clauses, and both parties' obligations — it's the most important document to review carefully before signing.

Investment & Returns

Where to buy, expected yields, and appreciation potential

Gurgaon continues to draw strong investment interest as a major corporate and IT hub with ongoing infrastructure upgrades — including the Dwarka Expressway, metro extensions, and NH-48 improvements. Demand from end-users and NRIs remains healthy, though returns vary meaningfully by micro-market, developer, and project stage, so location and builder due diligence still matter.
Corridors seeing the strongest momentum include Dwarka Expressway (airport connectivity, new luxury supply), Golf Course Extension Road (established premium address), SPR/Sohna Road (improving connectivity to NH-48), and New Gurgaon sectors (relatively affordable entry with upside as infrastructure matures). Our advisors can map options to your budget and horizon.
Residential rental yields in Gurgaon typically range between 2–3.5% annually, depending on location, project quality, and proximity to commercial hubs like Cyber City, Golf Course Road, and Sohna Road. Yields are generally higher for well-located mid-segment homes than for ultra-luxury units, where capital appreciation tends to be the bigger driver of returns.
Pre-launch and under-construction projects generally offer stronger capital appreciation potential as prices rise through construction stages, but carry construction and delay risk. Ready-to-move properties offer immediate rental income and eliminate delivery risk, but at a higher entry price with typically lower appreciation ahead. Your choice should depend on your investment horizon and risk appetite.

NRI Buyers

Eligibility, documentation, financing, and repatriation

Yes. Under the Foreign Exchange Management Act (FEMA), NRIs and Persons of Indian Origin (PIOs) can freely purchase residential and commercial property in India, except agricultural land, plantation property, and farmhouses. Payment must be made through normal banking channels using an NRE, NRO, or FCNR account, and no RBI approval is needed for such purchases.
NRI buyers typically need a valid passport, OCI/PIO card (if applicable), PAN card (mandatory for property transactions), overseas and Indian address proof, and an active NRE/NRO bank account. A Power of Attorney is commonly used to authorize a trusted representative in India to complete formalities on the buyer's behalf.
Yes, most Indian banks offer home loans to NRIs, usually financing 75–80% of the property value, repayable through NRE/NRO accounts. Rental income earned in India can be repatriated abroad after applicable taxes are paid, subject to RBI's prescribed limits and documentation — a chartered accountant can help structure this efficiently.
No, physical presence is not mandatory. An NRI can execute a registered Power of Attorney (PoA) in favor of a trusted family member, friend, or representative to sign documents, make payments, and complete registration on their behalf. KMA Global Property regularly assists NRI clients through the entire process remotely, including video site walkthroughs.

Channel Partners & B2B Program

Brokerage, site visits, expertise, and joining as a channel partner

No. KMA Global Property operates on a zero brokerage model for buyers across our listed new launch and primary sale projects — our advisory fee is paid by the developer, not the buyer. You get expert guidance, negotiation support, and site visit assistance at no additional cost to you.
We focus exclusively on RERA verified new launch and primary market projects across Gurgaon's key micro-markets, with advisors who track each project's approvals, construction progress, and pricing in real time. Unlike generic listing portals, our team provides personalized comparison, price negotiation, and end-to-end documentation support through possession.
Yes, we arrange guided site visits to your shortlisted projects, including pickup and drop for serious buyers on request. An on-ground advisor accompanies you to walk through the layout, sample flat, construction progress, and surrounding connectivity in person before you decide.
Real estate brokers and channel partners can register with us to access our full portfolio of new launch projects, co-brokerage terms, marketing collateral, and shared lead opportunities. Visit our Channel Partner Program page or reach out to our team directly to begin onboarding.
You can reach out to us directly by phone or email and our team will walk you through onboarding. Alternatively, you can register on our website and list your property or inventory here: seller.kmaglobalproperty.com.
Active partners get access to our inventory, detailed project information, coordination support for site visits, and ongoing assistance that helps you move a lead toward a closed deal faster.
Yes, channel partners earn commission based on transactions that are successfully closed through their referrals — the specific structure is shared during onboarding.
Yes, we welcome both established and newer partners as long as they're serious about growing a real estate business — prior scale isn't a prerequisite.
Yes, we share regular product knowledge, pricing updates, and project-specific insights with our partner network so they can pitch and close more effectively.
Once you register and share your details, onboarding typically begins soon after verification is complete, so you can start receiving inventory and leads without a long wait.
Yes, we share selected projects and inventory updates specifically with our active partners, giving them a head start on newly available units.

General Questions

Everything else buyers, partners, and job seekers ask us

You can call us directly or send a message through the contact form on our website, and our team will coordinate a convenient time with you.
Our core focus is Gurugram, particularly along Dwarka Expressway and the developing sectors around it, with select coverage extending into nearby parts of Delhi NCR.
We typically respond within working hours on the same day an inquiry is received, whether it comes in by phone, email, or the website contact form.
Yes, open roles are listed on our Careers page, and applications submitted there are reviewed by our recruitment team, who reach out directly to shortlisted candidates.
Because our focus stays on clear, honest guidance, verified project information, and practical support at every stage of your real estate journey — not just closing a transaction quickly.

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ADVISOR RESPONSE TIME

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