First-time home buyer checklist

Fix your budget, check the title and approvals, then negotiate.

Set a budget: keep the EMI under 40% of monthly income and keep 15–20% ready for down payment and registration costs.
Verify ownership documents, encumbrance certificate and approvals from the local authority.
Visit the property at different times of day and check water, power and road access.
Compare at least 3 similar properties before negotiating.
Get the sale agreement vetted by a lawyer before paying any token amount.