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Tata Capital > Blog > Loan for Home > Things to Consider Before Buying a House in Kolkata

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Things to Consider Before Buying a House in Kolkata

Things to Consider Before Buying a House in Kolkata

West Bengal's capital city, Kolkata is a prime real estate hub. The city houses several educational institutions and corporates, which attract people from all over the country each year. Buying a house in Kolkata can lead to a comfortable and culturally-enriching experience, so here are some things you should consider before you decide on the house you want to buy.


No matter what it is you are looking for in a house, you will most likely need to be close to places like schools, hospitals, markets, etc. If you have children or you have some leisure time, you would like to be close to parks and malls as well. Proximity to these places is guaranteed in some of the best localities in Kolkata, including:

  • New Town, known as the hub of information technology in Kolkata and offering the best residential properties.
  • Rajarhat, known for good quality projects by many renowned developers.
  • Tollygunge, located in South Kolkata and containing projects like Mani Vista.
  • Dum Dum, arguably a more congested area but featuring good connectivity to metro and railway stations.
  • Joka, one of the fastest-growing real estate landscapes in Kolkata right now.

The weather of the city must be kept in mind too, as it tends to be hot and humid and ACs or coolers are essential for comfort, so your home should have the space for them.

Developer's Credentials

In a city as big as Kolkata, housing projects are sprouting up every day. To ascertain the quality of an apartment or a house in such a competitive market, you must check the credentials of the developer himself. If their previous properties have good ratings and feedback, you are good to go.

Project Timeline

A realistic assessment of a project's timeline is necessary if you are buying an under-construction property - you do not want to be left waiting for years after already sinking a huge amount of money into a property. There is no dearth of completed properties in a vast city like Kolkata.

Type of House

The type of house you need depends on how many people will be living in it. For example, an apartment would not suit a family of over 6 people, even though its housing finance might be a lot cheaper. Always check the built-up area of a house instead of just the area, as the built-area shows you how much of the floor can really be utilised. The number of bedrooms and bathrooms are essential to keep in mind as well. With Tata Capital's home loans, the biggest and fanciest houses in Kolkata are within your grasp. With multiple payment methods, the most flexible home loan eligibility criteria, and extremely low home loan interest rates starting at only 6.70%.

Tata Capital is your best bet for any housing loan. Apply for a home loan in Kolkata with Tata Capital today!

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