One detail I should add: the ₹3,173,000 is not yet divided into separate pots. I also need to allow for the first mortgage payment, any applicable service charges and the insurance excess rather than treating the whole amount as repair money. Would you set those sums aside before the inspection...
Before I decide whether to proceed, I need to know whether the remaining cash provides real protection or only looks comfortable on paper. I’m a first-time buyer considering a 5-bed coastal home in Bengaluru at roughly ₹40,500,000, with about ₹3,173,000 expected to remain once the deposit and...