Planning to buy a flat in Guwahati? This detailed 2025 guide walks you through every step of the home-buying process. Whether you’re a first-time buyer or upgrading your home, follow this checklist to avoid legal issues, hidden costs, and project delays. Learn how to choose the right area, verify RERA projects, arrange site visits, and close your deal safely.
Step 1: Finalize Your Budget
Start by setting a clear budget. Property prices in Guwahati vary by area and flat size. Here’s a quick reference:
- 2 BHK Flats: ₹45 Lakhs – ₹70 Lakhs
- 3 BHK Flats: ₹65 Lakhs – ₹1.2 Crore
- 1 BHK Flats: Starting from ₹25 Lakhs
Use an EMI calculator to check monthly loan installments. Also, keep 8–10% of the property cost aside for registration charges, GST (if applicable), and interior setup.
Step 2: Choose the Best Locality in Guwahati
Location is everything when buying real estate. Popular residential areas include:
- Beltola – Well-connected and close to key markets
- Six Mile – Upcoming area with many new projects
- VIP Road – Premium locality with fast-growing demand
- Ganeshguri – Ideal for city-center living
- Kahilipara – Budget-friendly yet central
Also consider proximity to schools, hospitals, shopping centers, and your workplace.
Step 3: Decide Between Ready-to-Move vs Under-Construction Flats
Guwahati offers both ready-to-move and under-construction flats. Here’s a quick comparison:
- Ready-to-Move Flats: Immediate possession but slightly higher cost.
- Under-Construction Projects: Lower price but requires waiting and project risk (always choose RERA-registered projects).
Step 4: Check RERA Registration and Legal Clearance
Always choose RERA-approved projects. This ensures:
- Project timeline assurance
- Legal land ownership clarity
- Transparent payment schedule
- Consumer protection in case of delays
Step 5: Shortlist Properties and Visit the Sites
Once you shortlist 3–5 properties, plan physical site visits. Things to check during the site visit:
- Construction quality
- Location accessibility
- Ventilation and sunlight in the flat
- Amenities like parking, lifts, security, etc.
Download: Free Site Visit Checklist (PDF)
Step 6: Negotiate with Builder or Agent
Don’t settle for listed prices. Always negotiate! Ask for:
- Price discounts
- Free modular kitchen or wardrobes
- Waiver on registration or car parking charges
Step 7: Arrange Home Loan (If Needed)
Most reputed projects in Guwahati have tie-ups with leading banks. Check home loan eligibility, required documents, and processing time. Major home loan providers include:
- SBI
- HDFC Home Loans
- Axis Bank
- ICICI Bank
Step 8: Do Legal Paperwork Verification
Before making final payments, check:
- Land ownership papers
- Project approval certificates
- Encumbrance certificate (to confirm no legal dues)
- Builder’s RERA certificate
If needed, take help from a property lawyer in Guwahati.
Step 9: Book the Flat and Sign Agreement
Pay the booking amount and sign the sale agreement. Check for:
- Project possession date
- Penalty clauses (in case of delay)
- Payment milestones for under-construction properties
Step 10: Registration, Handover & Possession
After full payment and loan disbursement (if applicable):
- Register the property at the Sub-Registrar Office
- Collect the sale deed and possession letter
- Do a final site inspection before accepting keys
Before You Book a Flat – Buyer Tip
Before finalizing, download and review our Site Visit Checklist. It covers what questions to ask builders, what documents to collect, and site inspection points.
Download Checklist PDFFAQs – Flat Buying in Guwahati
1. Are there affordable 2 BHK flats in Guwahati?
Yes, you can find 2 BHK flats under ₹65 Lakhs in areas like Beltola, Six Mile, and Kahilipara. Check our latest 2 BHK under ₹60 Lakhs listings.
2. Is it safe to buy an under-construction flat in Guwahati?
As long as the project is RERA-approved and the builder has a good track record, under-construction flats can be a safe investment. Always verify legal documents and project status before booking.
3. Can AxomRealty help with site visits and shortlisting?
Yes! Our team offers free property shortlisting, site visits, and loan assistance for buyers in Guwahati. Plus, we provide full legal support with zero brokerage.
4. Which banks offer home loans for flats in Guwahati?
Major banks like SBI, HDFC, Axis Bank, and ICICI provide home loans for RERA-registered projects. Loan eligibility depends on your income, credit score, and property type.
5. What documents should I check before buying a flat?
Key documents include sale deed, building approval plan, RERA certificate, land title deed, and the possession letter. Download our free buyer checklist for full details.
Need Help Buying a Flat in Guwahati?
Contact AxomRealty for site visits, builder offers, and property shortlisting. No brokerage fees. Fast, verified service for Guwahati buyers.
