Stamp Duty Calculator
Ghar ya zameen khareedte waqt property ki keemat ke upar stamp duty aur registration charge dena padta hai — ye achha-khaasa hota hai. Ye calculator property value aur aapke rajya ki dar lekar batata hai ki registry me kul kitna extra kharcha aayega.
Stamp duty kya hai
Stamp duty ek sarkari tax hai jo property khareedte waqt uski keemat ke upar dena padta hai, taaki property aapke naam kanooni roop se register ho. Iske saath ek registration charge bhi lagta hai. Ye dono milaakar achha-khaasa kharcha ban jaata hai, jise log aksar budget me bhool jaate hain.
Registration = Property value × registration %
Kul kharcha = dono ka jod
Ek misaal
₹50 lakh ki property, stamp duty 6%, registration 1%. Stamp duty = ₹3 lakh, registration = ₹50,000. Kul registry kharcha = ₹3.5 lakh. Yaani property ki asli laagat ₹53.5 lakh hui. Isiliye ghar ka budget banate waqt ye kharcha zaroor jodein.
Dar kis par nirbhar karti hai
- Rajya — har rajya ki apni dar hoti hai (aam taur par 4-8%).
- Mahila khareedar — kई rajyon me mahila ke naam par khareedne par stamp duty kam lagti hai.
- Sheher/gaon — nagar nigam ilaake me thodi zyada ho sakti hai.
- Property type — residential aur commercial ki dar alag ho sakti hai.
Registry se pehle ye dhyaan
Stamp duty circle rate (sarkari nyoontam dar) par lagti hai — agar aap usse kam par khareed rahe hain to bhi stamp duty circle rate par hi banti hai. Property khareedne se pehle uske kaagaz zaroor jaanch lein. Home loan lena hai to eligibility aur EMI pehle dekh lein — kyunki stamp duty aksar loan me nahi aati, use apni jeb se dena padta hai.
Aksar pooche jaane wale sawaal
Stamp duty kitni hoti hai?
Rajya par nirbhar, aam taur par 4-8%. Iske saath ~1% registration charge. Mahila khareedar par kई rajyon me kam.
Stamp duty loan me aati hai?
Aksar nahi. Bank property value par loan deta hai, stamp duty aur registration aapko apni jeb se dena padta hai. Isliye budget me alag rakhein.
Circle rate kya hai?
Sarkari nyoontam dar jis par property register hoti hai. Aap kam par khareedein to bhi stamp duty circle rate par banti hai.
Mahila ke naam par kharidne se fayda?
Kई rajyon me mahila khareedar par stamp duty kam lagti hai, jisse achhi bachat hoti hai. Apne rajya ki dar dekhein.