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Everything you need to know about buying luxury real estate with White Collar Realty — across India and the UAE. Search below or browse by category.
24 answers · 24 general · 0 project-specific
About us
Is White Collar Realty RERA-registered?
Yes. Every project we represent is RERA-registered (in India) or DLD-registered (in Dubai). RERA / DLD certificates are shared with prospective buyers on request before any token amount is paid.
Do you charge buyers a fee?
No. Our services to buyers are free. We are compensated by the developer once a transaction closes — at no markup on the developer's quoted price.
Where is the head office?
White Collar Realty, 6th Floor, Tower A, M3M Urbana Business Park, Golf Course Extn Road, Sector 67, Gurugram, Haryana 122101, India. The Dubai team operates by appointment.
How do you compare to no-brokerage online portals?
Listing portals show inventory but cannot match developer-direct pricing, do not give honest opinions, and do not handle paperwork. We are an authorised partner — same price, plus advisory, site visits, legal vetting, loan tie-ups and resale support.
What does RERA registration mean for a buyer, and how do I verify it?
RERA (Real Estate Regulatory Authority) registration means a project is legally approved, its plans and timelines are filed with the regulator, and buyer funds are protected against diversion. You can verify any project on the relevant state RERA portal using its registration number. We share each project's RERA certificate and number on request so you can confirm it independently before paying a token.
What is the difference between ready-to-move and under-construction?
Ready-to-move (or ready-for-possession) properties are complete and can be occupied or rented immediately, with no construction risk and clearer pricing. Under-construction properties are still being built and usually offer staged payment plans and a wider choice of units, with possession at a future date stated by the developer. We share the expected possession timeline for every project we represent.
Should I invest in residential or commercial property?
Residential property suits end-use and steady long-term appreciation with broad resale demand. Commercial property — offices, retail and pre-leased assets — can offer higher rental yields and longer leases but needs closer due diligence on tenant and location quality. The right choice depends on your goals, horizon and risk appetite. We advise across both and help you weigh the trade-offs honestly.
Services
Do you handle resale of existing properties?
Yes — we list, market and execute secondary-market resale for existing residences in our pricing band. Discreet listing options for HNI clients.
Do you assist with home loans, including for NRIs?
Yes. We connect buyers with partner banks and lenders for both resident and NRI home loans, and help with eligibility, documentation and disbursement coordination with the developer. NRI loans are usually repaid through NRE or NRO accounts. Rates and eligibility differ by lender and profile, so we help you compare current offers rather than quote a fixed figure.
What documents do I need to buy a property?
Indian buyers typically need identity and address proof, PAN, recent photographs and funding or loan documents. NRIs additionally need a valid passport, visa or OCI card, overseas address proof, and an NRE/NRO account, often with a Power of Attorney if buying remotely. Requirements vary by project and lender, so we provide a tailored checklist once we understand your situation.
Pricing
What is the typical ticket size of properties you handle?
INR 1.5 Cr (entry-level luxury) to INR 100 Cr+ (penthouses + branded residences). Median residential ticket is approximately INR 4-7 Cr in India and AED 4-12 million in Dubai.
What is the minimum down payment for under-construction projects?
India: 10% at booking is standard, sometimes 20%. Dubai: 10-25% at booking, balance via construction-linked plan or post-handover plan.
How do construction-linked and post-handover payment plans work?
A construction-linked plan ties each instalment to a building milestone, so you pay as the project progresses. A post-handover plan lets you pay a portion after you receive the keys, easing cash flow during the early years. Plans vary by developer and project. We compare the available structures and help you choose one that matches your liquidity and financing.
What are the tax basics on property in India and Dubai?
In India, rental income is taxable and capital gains depend on how long you hold the asset, with TDS applicable on certain transactions. Dubai levies no annual property tax and no personal income tax on individuals, though a one-time transfer fee applies at purchase. Tax rules change and depend on your residency, so treat this as general guidance and consult a qualified tax advisor for your specifics.
What are the typical buying costs in India beyond the property price?
Buyers in India should budget for stamp duty, registration charges and applicable GST on under-construction homes, plus any maintenance or club deposits. These vary by state, property type and value, and rates are periodically revised. We provide an itemised cost estimate for your specific purchase and recommend confirming current stamp-duty and registration rates with us or your advisor before you commit.
NRI
Can NRIs buy property through White Collar Realty?
Yes. We handle complete NRI investments — RBI-compliant payments via NRE/NRO accounts, FEMA-compliant documentation, GST + TDS guidance, end-to-end document execution while the buyer is abroad. We support NRIs from the US, UK, UAE, Singapore, Australia and Canada.
What should an NRI know about FEMA rules before buying in India?
Under FEMA, NRIs and OCIs may freely purchase residential and commercial property in India (agricultural land, farmhouses and plantations are not permitted). Payments must route through banking channels — typically an NRE, NRO or FCNR account — and never in foreign currency cash. We structure the entire transaction to stay FEMA-compliant and advise you to confirm specifics with your authorised dealer bank.
What is the difference between NRE and NRO accounts for property?
An NRE account holds your foreign earnings in rupees and is fully repatriable; an NRO account holds India-sourced income such as rent and is repatriable within prescribed annual limits. Most NRIs fund purchases from NRE, while rent and resale proceeds typically flow through NRO. We help map the right account to each payment so your investment stays clean and repatriable.
Can NRIs repatriate sale proceeds out of India?
Yes, within RBI guidelines. Proceeds from up to two residential properties can generally be repatriated, subject to an overall annual cap per financial year and on production of the correct documentation and tax clearances. Limits and conditions change, so we coordinate with your bank and chartered accountant to handle the paperwork correctly. Confirm current limits with a tax advisor before you transact.
Dubai
Do you support Dubai Golden Visa-eligible investments?
Yes. Investments above AED 2 million in Dubai property qualify for the 10-year Golden Visa. We work with PRO partners to handle the visa application end-to-end.
What does the Dubai Golden Visa actually grant a property investor?
A qualifying property investment of AED 2 million or more makes an investor eligible for the UAE's 10-year renewable Golden Visa. It allows you to sponsor your spouse, children and domestic staff, removes the need for a local sponsor, and offers long-term residency stability. We work with PRO partners to manage eligibility and the application end-to-end alongside your purchase.
What is the difference between freehold and leasehold in Dubai?
In designated freehold areas, foreign nationals can own property outright, including the land, with full rights to sell, lease or bequeath it. Leasehold grants use of a property for a long fixed term (commonly up to 99 years) without owning the land. Most foreign buyers choose freehold zones. We guide you to the right areas based on your residency, investment and Golden Visa goals.
Contact
How fast can I get a callback?
Inbound leads are connected to a specialist within 30 minutes during business hours (10 AM – 8 PM IST, Monday-Saturday). Video-call slots can be booked the same day via the website's Video Call button.
Can I view properties remotely through virtual tours or video calls?
Yes. For clients abroad or short on time, we offer scheduled video consultations, live walkthroughs and virtual tours of show units, and we can represent you at physical site visits. Same-day video slots can be booked via the Video Call button on our website, so you can shortlist confidently before travelling for a final visit.
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