Your monthly income covers the repayments, but the cash left after buying covers only about 4.5 months with no income, and the property needs a harder look: it may be overpriced or riskier than it seems.
Deal quality 55 · Financial fit 66 · Gulmohar score 61
Tap any quadrant to compare it with the others.
Four pictures behind the verdict. Tap ⓘ for how each is worked out; each links to its tab.
Asking prices per sq ft in Sector 56. The opening-offer reference is the bottom 25%: ₹12,678.
The reserve covers about 4.5 months of EMIs and living costs with no income. The minimum we look for is 6.
All EMIs, including the new one, as a share of your monthly income.
Gulmohar score and verdict under each scenario.
Ask a local property lawyer for a written opinion on the title before paying a token.
Current finding
The purchase looks affordable under the supplied assumptions.
This checks the figures you entered. It doesn't assess bank eligibility — credit score, employment, age at loan maturity and lender policy aren't checked.
The honest verdict
Why the report reaches this conclusion
Why
What would need to change
What this report is based on
Separate the property's apparent merits from risks and unknowns. A good-looking asset can still be the wrong purchase for a specific buyer.
The evidence on the price and the property is mixed.
Calculation explanations are expandable to keep the default view focused.
How the asking price per sq ft compares with asking prices for similar properties in the area. A lower price than the area scores higher.
What it means
The asking price is above the area's median asking price, within the usual range.
Worth checking next
Ask for recent registered sale prices in the project or society to support a lower offer.
The full working, the inputs, the comparison behind the number and how it is calculated, is part of the full report.
How much competing supply there is around this property: active listings and new launches in the area, plus the unit's size and whether it is ready to move. These are supply and competition signals from asking-price listings; they are not completed sales or time to sell.
What it means
Competing supply is heavy, which can mean strong competition if you resell. Completed sales and time to sell are not measured here.
How far to trust this
Limited: listing counts only, with no completed-sale volume or time on market.
Worth checking next
Ask a local broker how long similar units have taken to sell recently.
The full working, the inputs, the comparison behind the number and how it is calculated, is part of the full report.
The legal and market risk of buying this resale property: the title, any dispute or seller loan, the building's age, and market risk. A higher score means lower risk.
What it means
Material risk on what was checked — resolve it before committing.
Worth knowing
⚠You weren't sure the title is clear — get a lawyer's title search before proceedingYour answer
Worth checking next
Get a lawyer's title search and an encumbrance certificate before paying a token.
The full working, the inputs, the comparison behind the number and how it is calculated, is part of the full report.
How the expected rent compares with rents for similar properties in the area. Higher rent per sq ft scores higher.
What it means
You're buying to live in, so rental income isn't scored.
The full working, the inputs, the comparison behind the number and how it is calculated, is part of the full report.
Based on asking prices in Sector 56, not on this tower or unit.
2.6% above the Sector 56 median asking price.
Useful for orientation; not a substitute for matched, recent transactions.
Bottom 25% of asking prices
Asking prices from comparable active listings — not completed sale prices.
How well-connected this address is — transit, jobs, schools, hospitals, lifestyle, markets — and what the local market data says.
Location analysis is not shown in this sample
In your own report this tab scores the area around your address: transit, employment, schools, hospitals, shops and daily needs, with distances measured in a straight line, not travel time. It needs a live lookup of a confirmed address.
How this property maps to your specific income, savings, and obligations.
The purchase looks affordable under the supplied assumptions.
This checks the figures you entered. It doesn't assess bank eligibility — credit score, employment, age at loan maturity and lender policy aren't checked.
Your month, your upfront cash, your repayment burden and your reserve. The checks behind them are folded away below.
One-time costs are the figure you entered; confirm it against a written cost sheet.
Within the typical range most lenders accept.
Reference band: under 40% is typically comfortable; 40–50% needs caution; above 50% is high risk for most lenders. Actual lender eligibility varies by institution, borrower profile, and loan type.
For six months of cover you'd need about ₹3.9L more.
The target for this purchase is 12 months, about ₹31.9L.
Information missing (1)
Other flags (1)
You entered ₹18 lakh in purchase costs; this is included in the ₹83 lakh cash requirement. Confirm that estimate against a written cost sheet.
After the ₹65 lakh contribution and ₹18 lakh of purchase costs you would keep ₹12 lakh, which covers about 4.5 months of all EMIs (₹1.75 lakh) plus living costs (₹90,000) with no income.
Monthly income covers the planned repayments, but completing the purchase leaves only 4.5 months of no-income cover.
Monthly repayment burden
FOIR 35.1% is healthy.
Loan size relative to property value
Loan is 75.0% of purchase price. Within standard range.
Cash buffer after purchase
4.5 months buffer. Minimum 6 months, target 12.
Total debt relative to net worth
Loan is 0.6× your net worth. Conservative.
Liquid assets after down payment
₹12.0L liquid after purchase.
FOIR (Fixed Obligations to Income Ratio) compares your total monthly loan repayments with your monthly income. Lenders use their own methods and thresholds; under about 40% is usually comfortable and above about 50% is high risk. If the new EMI alone exceeds your income, that is a strong warning — though not a lender decision.
Four situations, from a small income drop to losing a job, and what each would do to the verdict.
The property's own score holds the verdict back: deal quality is 55/100.
EMIs would be 52% of income, above the 50% most lenders work to. You would still cover every bill from income.
EMIs would be 69% of income, above the 50% most lenders work to. You would still cover every bill from income.
EMIs would be 175% of income, above the 50% most lenders work to. Your savings would cover the ₹1.65 lakh monthly shortfall for only about 1.2 months.
In your own report you can build your own scenario with sliders for income, interest rate, a new EMI, higher expenses and a one-off cash hit, and see where the plan breaks.
A clear path: the steps from this evaluation first, then what this report found, then the standard checks for its verdict. Each says who to ask and what to bring.
Before treating this score as final
Ask a local property lawyer for a written opinion on the title before paying a token.
From this reportAsk for three to five recent like-for-like flats in the same society, with each price per sq ft on the same area basis, and compare them with the asking price.
From this reportWork out how to keep at least six months of outgoings in savings after the purchase, for example by negotiating the price down.
From this reportSettle the title question with a lawyer before paying a token.
From this reportVerify the specific red and amber flags in this report with primary sources (the RERA portal, a lawyer, your lender), not just this report's own data.
Validate the asking price against like-for-like comparables in the same project or pocket: this report compares it with area asking prices, not with this tower or unit.
Once the open items above are settled, update this evaluation. Recalculating is free for 7 days after your first evaluation of this property; later, run a new evaluation.
LaterOpen items this report found, from your figures and the data it could and couldn't assess.
You were not sure about: title. These are answers about this property, not your saved finances, so they are corrected in the assessment, not the profile.
Market liquidity data (active listings / new launches) not available. This limits precision here and isn't something you can fill in.
Where to go from here
The Next steps tab lists what to check, with who to ask and what to bring, before you pay anything. The decision is yours.
Market conditions change. Re-run in 6 months, or use this as your baseline when comparing other properties.