{"id":133,"date":"2026-10-23T12:37:33","date_gmt":"2026-10-23T12:37:33","guid":{"rendered":"https:\/\/www.lntsector86gurgaon.com\/blog\/?p=133"},"modified":"2026-10-23T12:37:54","modified_gmt":"2026-10-23T12:37:54","slug":"apartment-living-in-india","status":"publish","type":"post","link":"https:\/\/www.lntsector86gurgaon.com\/blog\/apartment-living-in-india\/","title":{"rendered":"Advantages of Living in an Apartment in India: Legal Rights, Costs and Who It Suits"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Apartment Living in India involves more than choosing a home with shared amenities. It includes legal rights, fixed purchase costs and clear obligations that every buyer in Gurugram should understand before booking. Knowing these essentials helps you evaluate a project based on what the law guarantees, not just what the brochure promises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains those rights under the Real Estate (Regulation and Development) Act, 2016 and the Haryana Apartment Ownership Act, 1983, sets out the GST, stamp duty and registration costs in Gurugram, lists the restrictions owners accept and ends with a pre-booking checklist and a new apartment launch in Gurugram.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Apartment Meaning Under Indian Law<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An apartment is a residential unit in a building where you own the unit along with an undivided interest in the land and common areas. Under Section 4 of the Haryana Apartment Ownership Act, 1983, each apartment, together with its undivided interest in the common areas, is heritable and transferable property. This legal framework supports Apartment Living in India, allowing owners to sell, gift or inherit their apartments subject to applicable laws.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under Section 2(k) of the RERA Act, carpet area is the net usable floor area of an apartment, excluding external walls, service shafts, exclusive balconies or verandahs and exclusive open terraces, but including internal partition walls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Advantages of Living in an Apartment<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Buyer Payments Held in a Separate Account<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Under Section 4(2)(l)(D) of the RERA Act, the developer must deposit 70% of the amounts collected from buyers into a separate bank account, to be used only for the land and construction cost of that project. Withdrawals must be in proportion to construction progress and certified by an engineer, an architect and a chartered accountant. This applies to every project that must register, which under Section 3 covers any project on land above 500 sq m or with more than 8 apartments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Booking Amount Capped Before the Agreement<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Section 13(1) bars a developer from taking more than 10% of the apartment cost as an advance or application fee before signing a written agreement for sale and registering it. On a \u20b92 Cr apartment, that limits your payment to \u20b920 lakh until the agreement is registered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Carpet Area Declared Before Sale<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When a project registers, Section 4(2)(h) requires the developer to declare the number, type and carpet area of the apartments for sale, along with exclusive balcony and terrace areas. Because these details go on the RERA portal, you can match the carpet area in your agreement with the registered figure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Structural Defect Cover After Possession<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Section 14(3) makes the developer liable for any structural defect, poor workmanship or quality issue reported within 5 years of handing over possession. The developer must fix it within 30 days at no extra charge, and if it does not, the buyer is entitled to compensation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Compensation When Possession Is Late<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If possession is not given as per the agreement, Section 18(1) lets the buyer withdraw and get back the amount paid with interest, or stay in the project and receive interest for every month of delay until possession is handed over.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">A Permanent Share of Land and Common Areas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Section 6 of the Haryana Apartment Ownership Act fixes each owner&#8217;s percentage of undivided interest in the common areas through the declaration. That percentage is permanent, cannot be changed without the consent of all apartment owners, and the common areas cannot be partitioned.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Residents Take Control of the Project<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Section 11(4)(e) of the RERA Act requires the developer to enable an association of buyers within 3 months of a majority of units being booked. Under Section 17, the developer must hand over the common areas and project documents to the association within 30 days of obtaining the occupancy certificate, and execute the conveyance deed in the buyer&#8217;s favour within 3 months of it, where no local law sets another period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">No GST on a Ready Apartment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A ready apartment with an occupancy certificate attracts no GST, while an under construction apartment attracts 5% without input tax credit. On a \u20b91.5 Cr purchase, that difference is \u20b97.5 lakh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Cost of Buying an Apartment in Gurugram<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cost<\/strong><\/td><td><strong>Rate<\/strong><\/td><td><strong>Applies to<\/strong><\/td><\/tr><tr><td>GST, under construction<\/td><td>5%<\/td><td>Without input tax credit. Not payable on a ready apartment with an occupancy certificate<\/td><\/tr><tr><td>GST, affordable housing<\/td><td>1%<\/td><td>Value up to \u20b945 lakh and carpet area up to 60 sq m in metro areas, which include Gurugram<\/td><\/tr><tr><td>Stamp duty, men<\/td><td>7%<\/td><td>Within municipal limits<\/td><\/tr><tr><td>Stamp duty, women<\/td><td>5%<\/td><td>Within municipal limits<\/td><\/tr><tr><td>Stamp duty, joint<\/td><td>6%<\/td><td>Man and woman as joint owners, within municipal limits<\/td><\/tr><tr><td>Registration fee<\/td><td>\u20b950,000<\/td><td>Property value of \u20b990 lakh and above<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">For a \u20b91.5 Cr under construction apartment registered in a woman&#8217;s name within Gurugram&#8217;s municipal limits, GST adds \u20b97.5 lakh, stamp duty adds \u20b97.5 lakh and registration adds \u20b950,000, taking the total to about \u20b915.5 lakh above the base price. Stamp duty is charged on the higher of the deal value or the circle rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Restrictions on Apartment Owners<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No work affecting the structure:<\/strong> Section 8 of the Haryana Apartment Ownership Act bars any work that affects the soundness or safety of the property or reduces its value.<\/li>\n\n\n\n<li><strong>Bye-laws bind everyone:<\/strong> Under Sections 16 and 24, the property is run by bye-laws that apply to owners, their tenants and anyone using the apartment.<\/li>\n\n\n\n<li><strong>Possession on time:<\/strong> Section 19(10) of the RERA Act requires the buyer to take physical possession within 2 months of the occupancy certificate.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Who Should Buy an Apartment<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buyers paying in stages during construction:<\/strong> They gain the most from the payment and booking protections set out above.<\/li>\n\n\n\n<li><strong>First time buyers of smaller homes:<\/strong> Under construction units up to \u20b945 lakh with a carpet area up to 60 sq m in Gurugram qualify for 1% GST.<\/li>\n\n\n\n<li><strong>Owners who rent out or live abroad:<\/strong> Tenants must follow the same bye-laws as owners, which keeps the rules consistent while you are away.<\/li>\n\n\n\n<li><strong>Buyers building a long term family asset:<\/strong> An apartment is heritable and transferable property under Haryana law.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Who Should Not Buy an Apartment<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buyers planning to extend or rebuild:<\/strong> Structural changes are restricted by law.<\/li>\n\n\n\n<li><strong>Buyers who want a demarcated plot:<\/strong> An apartment comes with an undivided share, not a separate piece of land.<\/li>\n\n\n\n<li><strong>Buyers who cannot fund taxes upfront:<\/strong> On an under construction home, GST, stamp duty and registration can add more than 10% to the base price.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Apartment Buyer Checklist for Gurugram<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Match the RERA number:<\/strong> Section 11(2) requires every project advertisement to carry the registration number and the regulator&#8217;s website address, so check both on the <a href=\"https:\/\/haryanarera.gov.in\/\">Haryana RERA portal<\/a>.<\/li>\n\n\n\n<li><strong>Pay no more than 10% before the agreement:<\/strong> Insist on a registered agreement for sale before paying beyond this limit.<\/li>\n\n\n\n<li><strong>Check carpet area in the agreement:<\/strong> It should match the registered figure for your unit type.<\/li>\n\n\n\n<li><strong>Ask for the occupancy certificate:<\/strong> It starts the legal timelines for handover to the association and the conveyance deed.<\/li>\n\n\n\n<li><strong>Track the conveyance deed:<\/strong> It is due within 3 months of the occupancy certificate where no local law sets another period.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">New Apartment Launch in Sector 86 Gurugram<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.lntsector86gurgaon.com\/aravista.html\">L&amp;T Aravista Gurgaon<\/a><\/strong> is a new launch from L&amp;T Realty, the real estate arm of Larsen &amp; Toubro, in Sector 86, New Gurgaon. The project is planned on about 20 acres with 7 towers of G+37 floors and around 900 homes, offering 3, 4 and 5 BHK apartments. Each core serves only 4 apartments, more than 80% of the land is planned as open space, and the project includes about 1.25 lakh sq ft of club and amenity space with parking across 3 basement levels.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Unit type<\/strong><\/td><td><strong>Size<\/strong><\/td><td><strong>Indicative price<\/strong><\/td><\/tr><tr><td>3 BHK<\/td><td>2,500 sq ft<\/td><td>\u20b94.99 Cr<\/td><\/tr><tr><td>3 BHK<\/td><td>2,730 sq ft<\/td><td>\u20b95.46 Cr<\/td><\/tr><tr><td>4 BHK<\/td><td>3,490 sq ft<\/td><td>\u20b96.98 Cr<\/td><\/tr><tr><td>4 BHK<\/td><td>4,045 sq ft<\/td><td>\u20b98.09 Cr<\/td><\/tr><tr><td>5 BHK<\/td><td>About 5,000 sq ft<\/td><td>On request<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Prices are indicative, work out to about \u20b920,000 per sq ft and exclude taxes and statutory charges. Applying the Gurugram costs above to the \u20b94.99 Cr 3 BHK as an under construction purchase in a woman&#8217;s name, GST and stamp duty would add about \u20b949.9 lakh, plus the registration fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&amp;T Aravista has applied for RERA registration and a registration number is not yet available, with possession expected in September 2032. Following the checklist above, wait for the HRERA number to appear on the portal and confirm the carpet area of your unit before paying any booking amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more: <a href=\"https:\/\/www.lntsector86gurgaon.com\/blog\">https:\/\/www.lntsector86gurgaon.com\/blog<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">FAQs<\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">What are the advantages of living in an apartment in India?<\/h3><p class=\"saswp-faq-answer-text\">Apartment buyers get 70% of their payments held in a separate project account, carpet area declared at registration and 5 years of structural defect cover under the RERA Act, plus a permanent share in the land and common areas.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is carpet area under RERA?<\/h3><p class=\"saswp-faq-answer-text\">Under Section 2(k) of the RERA Act, carpet area is the net usable floor area of an apartment. It excludes external walls, service shafts, exclusive balconies or verandahs and open terraces, and includes internal partition walls.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Is RERA registration compulsory for apartment projects?<\/h3><p class=\"saswp-faq-answer-text\">Yes, above a size limit. Under Section 3 of the RERA Act, registration is required for any project on land above 500 sq m or with more than 8 apartments, before the developer can advertise or sell units.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What can I do if the builder delays possession?<\/h3><p class=\"saswp-faq-answer-text\">Under Section 18(1) of the RERA Act, you can withdraw and get back the amount paid with interest, or stay in the project and receive interest for every month of delay until the developer hands over possession.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How much stamp duty is charged on an apartment in Gurugram?<\/h3><p class=\"saswp-faq-answer-text\">Within municipal limits in Gurugram, stamp duty is 7% for men, 5% for women and 6% for joint ownership by a man and a woman. It is charged on the higher of the deal value or the circle rate.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Who manages the common areas of an apartment project?<\/h3><p class=\"saswp-faq-answer-text\">A residents&#8217; association manages them. Under Section 17 of the RERA Act, the developer must hand over the common areas and project documents to the association within 30 days of obtaining the occupancy certificate.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How do I check if an apartment project is RERA registered?<\/h3><p class=\"saswp-faq-answer-text\">Every project advertisement must show its RERA registration number and the regulator&#8217;s website address under Section 11(2). Search that number on the Haryana RERA portal and match the project details before paying anything.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How soon must a buyer take possession of an apartment?<\/h3><p class=\"saswp-faq-answer-text\">Under Section 19(10) of the RERA Act, a buyer must take physical possession within 2 months of the occupancy certificate. The certificate also starts the timelines for the conveyance deed and handover to the association.<\/p><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>Apartment Living in India involves more than choosing a home with shared amenities. It includes legal rights, fixed purchase costs and clear obligations that every buyer in Gurugram should understand before booking. Knowing these&hellip;<\/p>\n","protected":false},"author":1,"featured_media":134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Advantages of Apartment Living in India: Rights, Costs &amp; Benefits<\/title>\n<meta name=\"description\" content=\"Explore the advantages of Apartment Living in India, including lifestyle benefits, resident rights, maintenance costs, security, amenities and long-term value.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lntsector86gurgaon.com\/blog\/apartment-living-in-india\/\" 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He produces data-driven insights, in-depth project analyses, and buyer-focused guides that simplify complex real estate decisions. 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