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The seller appears to regard ₹91,430,000 as supportable, but I am hesitant to rely on the available asking prices. This is a roughly 120 m², 5-bed new-build flat in Delhi with good light and location, though the finishes are dated and the ongoing insurance and maintenance costs may be high. I...

I would hold off on presenting -7.9% as a Delhi-wide decline. Is that movement month over month, year over year, or from each listing’s original ask? Also, does the 44-day figure include withdrawn and relisted properties? Those definitions could change the interpretation substantially.

Exactly. I’d use four pots: untouchable emergency savings, known move-in bills, an inspection contingency, and optional furnishing. Don’t let the last pot borrow from the first three. Also model a bad but plausible month: mortgage payment, normal living costs and one repair landing together. If...

I wouldn’t divide it by percentages yet. First ring-fence an emergency fund based on your actual household spending, including the mortgage. Then list moving costs and only the repairs required for safety or to prevent deterioration. Furniture comes last. Does the ₹2,338,000 already allow for...

I would negotiate rather than wait for a public reduction. Twenty-one days is enough to ask why it remains available, but not enough by itself to prove the seller is under pressure. A conditional offer backed by financing can test motivation without assuming the listing is stale. Compare the...

If I treat a mixed sample as broad market weakness, I could draw the wrong conclusion about both price and seller flexibility. I am following Delhi small multifamily properties from ₹82,830,000 to ₹124,200,000; the snapshot suggests a 4.3% decline and about 92 days listed. Vacant buildings...

That distinction helps. The unlevered figures are not uniformly bad, but they become thin after a realistic vacancy allowance and maintenance reserve. I have not treated property tax, insurance or management as tenant recoveries unless the proposed lease clearly supports it. The biggest unknown...

I would like one of these Delhi warehouse purchases to produce defensible income from the outset, but the numbers around ₹95,190,000 do not survive my full cost model with finance at 7.52%. Allowing for empty periods, management, repairs, insurance and property tax pushes the projected cash...

The missing denominator is crucial. How many listings produced the 73-day figure, and how many had verified sold prices for the 8.7% calculation? A median would also be more informative than an average if a few stale listings are stretching the result. Withdrawn and relisted properties need...

I would use a simple sequence: obtain the full offer and buyer qualification in writing; request the conflict disclosure and exact fee basis; define separate contacts and information boundaries; then have your own Hong Kong solicitor examine the arrangement. Only after that decide whether to...

One more complication: “financing costs matter” could mean fewer financed buyers, smaller acceptable offers, or slower decisions while buyers arrange funding. Those would leave different traces. Fewer buyers may increase withdrawals; reduced budgets may widen the gap between asking and completed...

I’d push back on the idea that a narrow contingency automatically provides a safe middle ground. It may create an argument over whether a finding qualifies, while leaving you exposed to other immediate repairs. Set a maximum amount you could lose to repairs without touching the emergency fund...

I’d separate the money before deciding what furniture to buy: a household emergency fund that stays untouched, a property reserve for inspection items and insurance excess, then a smaller moving budget. Furniture would come last and could be added room by room. Also allow for the first mortgage...

The missing detail is what the inspection actually finds. “Ordinary work” might be paint and minor fittings, or it might include something that should affect whether you proceed at this price. Also, does the duplex have recurring service charges or shared maintenance? Those costs matter more...

Get more than one moving estimate if time allows, and be precise about packing, access and assembly when requesting it. Moving is one of the few near-term categories you can define before the inspection outcome, so there is little reason to leave it as a vague allowance.