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I wouldn’t delay solely because that figure sounds small relative to the purchase price. I’d first separate genuine emergencies from optional spending. Keep a protected amount for mortgage payments, service charges, insurance excess and urgent repairs; use only the remainder for moving and...

For the insulation concern, ask prospective inspectors how they assess it and whether meaningful testing is possible under the conditions on the inspection date. The same applies to drainage: clarify whether water will be available and what will actually be tested. “Independent inspection” is...

₹100,000,000. Average condition is my first factor, because a buyer may allow for work after completion. The second is the coastal setting: insurance could affect affordability, although without an actual quote I’m treating that only as uncertainty.