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I partly disagree about starting with refurbishment cost. Buyers don’t always deduct the full cost of dated finishes, especially if everything remains usable, while a poor layout can’t be fixed cheaply. Separate condition into essential work, optional modernisation and purely personal taste...

I’m considering a 185 m² apartment in Delhi at roughly ₹102,700,000, but the association’s reserves appear thin and major exterior work is being discussed. Nothing has been approved yet, although owners have mentioned possible contributions as high as ₹4,760,000. I’m reviewing meeting minutes...