The RBI's August 24 house-price release put the All-India index at 117.5 for the first quarter of financial year 2026–27, up 1.1% from the previous quarter. That period is April to June, not the first three months of the calendar year. The index is a statistical measure, so 117.5 is neither a rupee price nor a claim that every home increased by the same percentage.
Use the right neighbourhood and area definition
A national index combines transactions across its coverage and cannot value a particular flat. Compare similar buildings and completion status, and check whether quoted prices use carpet area, built-up area or another definition. A lower price per square foot can be misleading when the area denominator changes between advertisements.
Start with the amount you must borrow
For a hypothetical ₹80 lakh home, ₹20 lakh of own funds leaves ₹60 lakh before transaction costs and other cash requirements. At a simple annual interest difference of one percentage point, ₹60 lakh implies ₹60,000 in first-year interest difference on an unchanged balance; an amortising loan's exact payment needs a proper schedule. The example is not a lender offer.
Verify the project as well as the loan
Check applicable RERA information, title documentation, completion commitments and the lender's actual sanction conditions. Keep an allowance for registration, fit-out and temporary housing where relevant. An improving national index cannot resolve project delays or make an unaffordable monthly payment sustainable for your household.