How Much Down Payment Do You Need to Buy a Flat in Hyderabad? (2025 Guide)
Planning to buy a flat in Hyderabad and wondering how much you need to save for the down payment? This guide breaks down the minimum down payment requirements, how banks calculate it, and tips to plan your savings for a smooth home-buying experience.
🧾 What Is a Down Payment?
A down payment is the initial amount you pay upfront when buying a flat. The rest is covered by a home loan. It’s typically 10%–25% of the flat’s total cost, depending on the property type, price, and bank policy.
📌 Banks in India usually finance up to 75%–90% of the property value.
✅ Standard Down Payment Requirements in Hyderabad (2025)
| Property Value | Loan-to-Value (LTV) | Down Payment (%) | Minimum Down Payment |
| Up to ₹30 Lakhs | 90% | 10% | ₹3 Lakhs |
| ₹30 – ₹75 Lakhs | 80% | 20% | ₹6 – ₹15 Lakhs |
| Above ₹75 Lakhs | 75% | 25% | ₹18.75 Lakhs + |
💡 These figures may vary slightly by bank and borrower’s profile.
📊 Down Payment Examples for Common Budgets
| Flat Price | Loan Eligibility | Down Payment You Need |
| ₹40 Lakhs | ₹32 Lakhs (80%) | ₹8 Lakhs |
| ₹50 Lakhs | ₹40 Lakhs (80%) | ₹10 Lakhs |
| ₹60 Lakhs | ₹48 Lakhs (80%) | ₹12 Lakhs |
| ₹80 Lakhs | ₹60 Lakhs (75%) | ₹20 Lakhs |
| ₹1 Cr | ₹75 Lakhs (75%) | ₹25 Lakhs |
📁 What Does the Down Payment Include?
When you buy a flat, your down payment may include:
- Basic down payment to the builder
- Advance booking/token amount
- Stamp duty and registration (≈6–7%)
- Interior or custom charges (optional)
- Initial maintenance or corpus fund
🎯 Total upfront outflow is often 12%–20% of property value.
🏦 Can You Reduce the Down Payment?
- ✅ Some banks offer 90% financing for affordable homes
- ✅ If your credit score is 750+, banks may offer better LTV
- ✅ Government schemes like PMAY reduce your contribution (eligibility needed)
💡 Builder tie-ups with banks can also offer flexible payment plans.
💰 How to Plan Your Down Payment Savings
- Start saving early (SIP, RD, PPF, FD, etc.)
- Avoid using high-interest loans for down payment
- Keep 10–20% extra buffer for registration, furniture, and emergency funds
- Ask banks for pre-sanction letters to know your eligibility
💬 FAQs – Flat Down Payment in Hyderabad
- Can I get 100% loan for flat purchase? ➡ No. Banks are not allowed to fund 100%. Minimum 10%–25% must be paid by buyer.
- Can I use a personal loan for down payment? ➡ Not recommended. It increases your debt and may reduce your home loan eligibility.
- Does GST apply to down payment? ➡ Yes, if the flat is under construction, GST (5%) is applicable on the base amount.
- What if I can’t arrange the full down payment? ➡ You can add a co-applicant to improve loan eligibility or choose a lower-priced flat.
📞 Final Thoughts + CTA
Understanding and planning your down payment is the first big step to owning a flat in Hyderabad. Set your budget, explore loan options, and prepare your savings.
💬 Need help calculating your down payment or choosing a bank? 👉 Chat with our home loan expert on WhatsApp or Submit your flat budget here — we’ll guide you step-by-step for free.
✅ Categories:
- Buying Guide
- Home Loan Guide
- Hyderabad Real Estate