Mumbai townhouse at ₹29,640,000: closing costs and the contract fallback

Residency needs more than one answer. Ask how your status is treated at acquisition, during annual holding, on rental or other use if relevant, at sale, and on inheritance. The answer may not remain identical throughout.
 
Following Lucia’s point, identify exactly which authority and records apply to this address. “Mumbai” is useful context, but the professional’s estimate should be tied to the specific property and transaction papers.
 
I would ask for a single completion statement showing every payment, recipient, and responsible party. Then compare its total with ₹29,640,000 and the contract rather than reconciling several informal messages.
 
The contract should also say what happens if registration or handover is delayed for reasons attributed to either side. That is different from the disputed viewing promise, but it affects how much contingency cash you need.
 
Does the unfinished item alter the legal consideration, or only what must be delivered for that price? That distinction is worth putting directly to both the lawyer and tax adviser rather than guessing in the spreadsheet.
 
Create a document map beside the cost worksheet: contract clause, invoice or demand, payment proof, and resulting registration record. Any significant payment without a matching document deserves an explanation before funds move.
 
Inheritance planning may also affect whose names appear in the transaction. Do not change the proposed arrangement casually, though; ask about present control, future transfer, tax consequences, and the applicable jurisdiction together.
 
And ask what happens if an heir is resident somewhere else when inheritance occurs. This is exactly where assumptions based only on the buyer’s current residency can become misleading.
 
I agree with Anika: oral assurances should not be assigned value in the purchase calculation. Either obtain enforceable wording acceptable to your local lawyer or model the deal as though the promise does not exist.
 
What is your decision deadline? A short deadline can create pressure to accept an estimated total. If possible, separate the commercial deadline from the time needed for legal and tax answers.
 
For each tax line, ask whether the amount depends on the contract price, another assessed value, the parties’ status, or some combination. You need the calculation method, not merely a percentage copied into a table.
 
Also identify costs described as refundable deposits or advances. Keep them separate from true transaction expenses, and record the conditions and timing for return rather than subtracting them immediately.
 
Annual costs can be irregular as well as recurring. Ask whether any planned major work, shared expenditure, or unpaid assessment has already been discussed for the property, without assuming the latest bill captures everything.
 
One practical test: ask the lawyer to mark each contract clause connected to money. That should reveal the stated price, adjustments, default consequences, taxes allocated between parties, and the disputed promise’s financial effect.
 
Then reconcile that marked contract against the completion statement Lucia suggested. If an amount appears in one but not the other, get a written explanation instead of creating a miscellaneous-cost line.
 
Keep professional estimates dated. If completion moves, ask which figures remain valid and which must be recalculated. That avoids treating an earlier estimate as a guaranteed final total.
 
At this point I’d request four written outputs: eligibility to acquire, property and title description, completion funds schedule, and tax treatment across purchase, holding, sale, and inheritance. The contract issue should be addressed in each where relevant.
 
Did the unresolved item end up being about the property itself or the payment terms? No need to share the clause, but that distinction would help explain whether the fallback is legal, financial, or both.
 
Until kscott answers Javier, I would avoid speculating. Build two versions using the supplied price: one where the promised item is fully included and another where it has no value or must be obtained separately.
 
A third version could cover delay rather than loss: same purchase price, but additional holding, transfer, or professional costs caused by a later completion. Ask which of those costs the contract allocates.
 
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