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Take the inspection report, service-charge figure, insurance quote and mortgage-payment date and update the budget on the same day. Until those are known, I’d avoid ordering furniture or treating any portion of the ₹3,507,000 as surplus. The cash buffer only becomes meaningful once the first few...

Before committing, I’d produce two post-closing budgets: one with no significant inspection findings and one with an urgent repair plus the insurance excess. Both should include moving, the first mortgage payment, recurring service charges if applicable and only essential furniture. If the...