🏡 Smart Real Estate Wizard v2.0
✦ Realty First — India's #1 Property Intelligence Platform
Smart Property
Intelligence Engine
25 cities · Deep area-wise data · AI-powered advice · EMI, ROI, Prepayment & Loan Comparison — all in one place.
📊 25 Cities
🤖 Smart AI Advisor
🏗️ Metro / IT / MIDC Data
🏠 Investor + End-User View
📈 ROI Projector
📋 Loan Details
₹50,00,000
₹5L₹5Cr
8.50%
5%20%
20 Yrs
1 Yr30 Yrs
📊 Breakdown
Principal
—
—
Total Interest
—
—
Interest Ratio
—
Monthly EMI
—
Total Interest
—
Total Payable
—
✅
—
—
📉 Year-wise Balance
📅 Amortization
| Year | Principal | Interest | Balance |
|---|
⚠️ Disclaimer: Estimates only. Actual EMI varies by bank policy, fees & GST. Consult your bank before applying.
📈 Property ROI Calculator
📊 Projection
🏙️ City Comparison — ₹60L property 10-Year Value
💰 Prepayment Impact
Calculate how a lump-sum prepayment reduces your interest & saves months.
🎉 Your Savings Summary
Based on your prepayment strategy
Original EMI
—
New EMI (After Prepay)
—
Total Interest (Without)
—
Total Interest (With)
—
💚 Interest Saved
—
⏳ Months Saved
—
📊 Interest Comparison
⚖️ Compare 3 Loan Options
Option 1
Option 2
Option 3
| Metric | Option 1 | Option 2 | Option 3 |
|---|
🤖 AI Property Advisor
Smart real estate intelligence — no API needed, works instantly
🏠 Buy vs Rent
🏙️ Best Tier 2 City
💰 Loan Eligibility
🔍 Hidden Costs
⚖️ RERA Guide
🏗️ Under-Construction
📅 20 vs 30 Yr Loan
💡 Prepay Strategy
📋 Tax Benefits
✈️ NRI Investment
📈 Best Investment 2026
🔑 First Home Tips
🧠 AI Knowledge Base
📊 2025-26 Market Data — 25 city price growth, rental yields, inventory trends
🏗️ Infrastructure Data — Metro lines, IT parks, MIDC, SEZs, airport projects city-by-city
⚖️ Legal & RERA — Builder compliance, red flags, safe clauses, RERA registration
💰 Financial Intelligence — DTI ratios, loan eligibility, prepayment strategies, tax benefits
📋 Cost Intelligence — State-wise stamp duty, GST slabs, hidden charges, registration
🔮 Investment Strategies — Timing, appreciation corridors, under-construction vs ready
✈️ NRI Guidance — FEMA, repatriation, power of attorney, preferred cities
⚡ How This AI Works
✅ Built-in real estate knowledge engine
✅ Covers buyer, investor & NRI scenarios
✅ City context auto-loads from City Intel tab
✅ Multi-turn conversation memory
✅ Instant — no API key or internet required
✅ Covers 100+ common real estate questions
💡 Pro Tip: First click a city in City Intel tab, then switch to AI Advisor — the AI will have your city's full context loaded!
✦ Realty First — India's #1 Property Intelligence Platform v7.0
Smart Property
Intelligence Engine
Complete platform for Buyers · Sellers · Investors · NRIs · Bankers — All India, real data, smart verdict.
📊 38 Cities · 28 States
🏠 Property Wizard
💱 NRI Currency Tool
🏦 Stamp Duty Calculator
📤 WhatsApp + PDF Share
🤖 AI Advisor
📋 Loan Details
₹50,00,000
₹5L₹5Cr
8.50%
5%20%
20 Yrs
1 Yr30 Yrs
📊 Principal vs Interest
Principal
—
—
Total Interest
—
—
Interest Ratio
—
🧙 Smart Property Decision Wizard
Fill in your details — get a complete cost breakdown, loan analysis, ROI projection & AI verdict.
Step 1 — Your Financial Profile
Step 2 — Property Details
Area Development Features (select all that apply):
Step 3 — Additional Costs
Click any city for deep data — Metro, IT Parks, MIDC, developments, investor & resident advice.
📋 Stamp Duty Calculator — All 28 States
Select a state below to calculate exact cost
📈 ROI Calculator
🏙️ All Cities — ₹60L Property 10-Year Projection
💰 Prepayment Impact
How much interest & months do you save with a lump-sum payment?
⚖️ Compare 3 Loan Options
Option 1
Option 2
Option 3
✈️ NRI Property Affordability Tool
Convert your foreign salary to INR and check property affordability in India.
Select currency to see live rate
🌍 NRI Investment Guide — Best Cities
🌴
Kochi
Gulf Malayalee
4–5% yield
💻
Bangalore
USA/Europe NRIs
3.5–5% yield
🌾
Chandigarh
Punjab diaspora
3–4% yield
🏖️
TVM/Coimbatore
Retirement homes
4–5.5% yield
📌 Key NRI Rules (2026): NRIs can freely buy residential & commercial property. Agricultural land needs RBI permission. NRE/FCNR funds freely repatriable. NRO account: $1M/year repatriation limit. Home loan available at 8.5–9%. Get Registered Power of Attorney for transactions. TDS: Buyer deducts 20% TDS when buying from NRI seller.
🤖 AI Property Advisor
Instant answers · 100+ topics · Works offline · No internet required
🏠 Buy vs Rent
💰 Loan Eligibility
🔍 Hidden Costs
⚖️ RERA Guide
🏗️ U/C vs Ready
📅 Loan Tenure
💡 Prepay Tips
📋 Tax Benefits
✈️ NRI Guide
📈 Best 2026
🔑 First Home
🏷️ Seller Guide
🏦 For Bankers
🏛️ PMAY Scheme
🏢 Commercial RE
👫 Joint Property
🧠 AI Knows About
📊 Market 2026 — 38 cities, price growth, yields
🏗️ Infrastructure — Metro, IT, MIDC, Airports
🏛️ Govt Schemes — PMAY, RERA, Smart City
💰 Finance — DTI, eligibility, tax Sec 24/80C
📋 Stamp Duty — All 28 states covered
🏷️ Sellers/Bankers — Strategy, docs, ratios
✈️ NRI — FEMA, repatriation, best cities
🏢 Commercial RE — Office, retail, warehouse
💡 Try Asking
• "Pune mein invest karna chahiye?"
• "Maharashtra stamp duty kitna hai?"
• "₹80K salary pe loan?"
• "RERA check kaise kare?"
• "NRI property khareed sakta hai?"
• "PMAY subsidy milegi kya?"
'+s.s+'
SD: '+s.sd+'% + Reg: '+s.reg+'%
Total: ~'+(s.sd+s.reg)+'%
\ud83d\udccb '+s.s+' \u2014 Cost Breakdown
'
+''
+''
+''
+''
+'
Stamp Duty ('+s.sd+'%)
'+fi(sdAmt)+'
Registration ('+s.reg+'%)
'+fi(regAmt)+'
Total Cost
'+fi(total)+'
\ud83d\udca1 Notes: '+s.notes+'
'
+'Property: '+fi(val)+' \u00b7 Under-construction: add 5% GST
'+tl+'
';
}).join('');
}window.SC=function(name){
selCity=name;
var c=CITIES.find(function(x){return x.n===name;});if(!c)return;
Q('nr').value=c.rate;Q('sr').value=c.rate;Q('dr').textContent=c.rate+'%';US(Q('sr'));LP();
Q('rg')&&(Q('rg').value=c.grow);
currentCity=c;
var p60=Math.round(60*Math.pow(1+c.grow/100,10));
var p100=Math.round(100*Math.pow(1+c.grow/100,10));
Q('cdet-box').innerHTML='\ud83d\udccd '+c.n+'
'+c.st+'
~'+c.rate+'%
+'+c.grow+'%/yr
'+c.price+'/sqft
'
+'
';
BCG(document.querySelector('.sfbtn.on')?.textContent||'All');
setTimeout(function(){Q('cdet-box').scrollIntoView({behavior:'smooth',block:'nearest'});},100);
};buildStateFilter();BCG('All');// ROI
window.doROI=function(){
var V=+Q('rv').value,g=+Q('rg').value,y=+Q('ry').value;
var rent=+Q('rr').value,maint=+Q('rm').value;
if(!V||!g||!y){alert('Fill all fields');return;}
Q('roi-res').style.display='block';
var yrs=[],vals=[];
for(var i=0;i<=y;i++){yrs.push('Y'+i);vals.push(Math.round(V*Math.pow(1+g/100,i)));}
var fv=vals[vals.length-1],tr=rent*y,tm=maint*y,ng=fv-V+tr-tm;
var roi=((ng/V)*100).toFixed(1);
setTimeout(function(){BAR('roi-cv',yrs,vals,yrs.map(function(_,i){return 'rgba(0,35,91,'+(0.2+0.8*(i/Math.max(y,1)))+')'}));},60);
Q('roi-stats').innerHTML='\ud83d\udccd '+c.n+' '+c.st+' \u00b7 '+(c.tier==='T1'?'Tier 1 Metro':c.tier==='T2'?'Tier 2':'Emerging')+'
'
+'Stamp Duty: '+c.stamp+'% \u00b7 GST (U/C): 5% \u00b7 Price: '+c.price+'/sqft
'
+''
+''
+''
+''
+''
+''
+'
'
+'Loan Rate
'+c.rate+'%
Price Growth
'+c.grow+'%/yr
Rental Yield
'+c.rental+'
Stamp Duty
'+c.stamp+'%
\u20b960L\u219210yr
\u20b9'+p60+'L
\ud83d\udd25 Hot Micro-Markets
'
+c.areas.map(function(a){return ''+a+'';}).join('')
+''
+''
+''
+''
+''
+'
'
+'\ud83d\ude87 Metro / Transit
'+c.metro+'
\ud83d\udcbb IT Parks & Employers
'+c.it+'
\ud83c\udfed MIDC / Industrial / SEZ
'+c.midc+'
\ud83c\udfd7\ufe0f Key Developments
'+c.dev+'
\ud83d\udc64 FOR INVESTORS
'
+'Strategy: '+c.investor+'
'
+'\ud83c\udfe0 FOR END-USERS / RESIDENTS
'
+'Best areas: '+c.enduser+'
'
+'\u26a0\ufe0f RISKS & CAUTIONS
'
+'Watch out: '+c.risk+'
'
+'\ud83d\udcca 10-Year Projection (2026\u21922036): '
+'\u20b960L \u2192 \u20b9'+p60+'L |\u00a0\u20b91Cr \u2192 \u20b9'+p100+'L'
+'
(At '+c.grow+'%/yr \u00b7 Illustrative only \u00b7 Not a guarantee)' +'
(At '+c.grow+'%/yr \u00b7 Illustrative only \u00b7 Not a guarantee)' +'
'
+''
+''
+''
+'
';
};
function initROIbars(){
var html='';
CITIES.forEach(function(c){
var fv=Math.round(60*Math.pow(1+c.grow/100,10));
var pct=Math.min(97,(fv-60)/240*100);
html+='Future Value
'+fi(fv)+'
Total ROI
'+roi+'%
Rental ('+y+'yr)
'+fi(tr)+'
Net Gain
'+fi(ng)+'
'
+'
';
});
if(Q('city-roi'))Q('city-roi').innerHTML=html;
}
setTimeout(initROIbars,300);// PREPAYMENT — FIXED
window.doPP=function(){
var P=+Q('pp1').value,r=+Q('pp2').value,y=+Q('pp3').value;
var aft=+Q('pp4').value,ppA=+Q('pp5').value;
if(!P||P<=0||!r||r<=0||!y||y<=0||!aft||aft<=0||!ppA||ppA<=0){alert('Please fill all fields with valid positive values.');return;}
if(aft>=y){alert('Prepayment year must be less than tenure ('+y+' years).');return;}
if(ppA>P){alert('Prepayment amount cannot exceed loan amount.');return;}
var orig=EC(P,r,y);
var R=r/12/100,paid=aft*12;
var bal=P*Math.pow(1+R,paid)-orig.emi*((Math.pow(1+R,paid)-1)/R);
bal=Math.max(0,bal);
var newP=Math.max(0,bal-ppA);
var remY=y-aft;
if(newP<1000){alert('\ud83c\udf89 Prepayment completely clears the remaining balance of '+fi(bal)+'! Excellent decision!');return;}
var newL=EC(newP,r,remY);
var origRem=EC(bal,r,remY);
var saved=Math.max(0,origRem.int-newL.int);
var mSaved=Math.max(0,Math.round(saved/orig.emi));
Q('pv1').textContent=fi(orig.emi);Q('pv2').textContent=fi(newL.emi);
Q('pv3').textContent=fi(orig.int);Q('pv4').textContent=fi(orig.int-saved);
Q('pv5').textContent=fi(saved);Q('pv6').textContent=mSaved+' months';
Q('pp-res').style.display='block';
setTimeout(function(){
var cv=Q('pp-cv');
if(cv){
var W=cv.parentElement.getBoundingClientRect().width||cv.parentElement.offsetWidth||300;
cv.width=W;cv.height=140;
BAR('pp-cv',['Without Prepay','With Prepay','Interest Saved'],
[Math.round(orig.int),Math.round(orig.int-saved),Math.round(saved)],
['#00235b','#003494','#059669']);
}
},80);
};// COMPARE
window.doCMP=function(){
var opts=[1,2,3].map(function(i){return{a:+Q('c'+i+'a').value,r:+Q('c'+i+'r').value,t:+Q('c'+i+'t').value};});
var res=opts.map(function(o){return(!o.a||!o.r||!o.t)?null:EC(o.a,o.r,o.t);});
var emis=res.map(function(r){return r?r.emi:Infinity;});
var ints=res.map(function(r){return r?r.int:Infinity;});
var tots=res.map(function(r){return r?r.total:Infinity;});
var minE=Math.min.apply(null,emis.filter(function(v){return v!==Infinity;}));
var minI=Math.min.apply(null,ints.filter(function(v){return v!==Infinity;}));
var rows=[{l:'Monthly EMI',v:emis,b:minE},{l:'Total Interest',v:ints,b:minI},{l:'Total Payable',v:tots,b:null}];
var html='';
rows.forEach(function(row){
html+=''
+''+c.n+' '+c.st+''
+'\u20b9'+fv+'L from \u20b960L
'
+''
+'
';
}).join('');
// populate NRI city select
var nc=Q('nri-city');if(nc){nc.innerHTML=CITIES.map(function(c){return '';}).join('');}
}
window.selCUR=function(idx,el){
document.querySelectorAll('.cur-card').forEach(function(c){
c.classList.remove('on');
c.querySelector('div:nth-child(2)').style.color='var(--nv)';
});
el.classList.add('on');
el.querySelector('div:nth-child(2)').style.color='#f0c060';
selCur=CURRENCIES[idx];
Q('nri-rate-lbl').textContent='1 '+selCur.sym+' = \u20b9'+selCur.rate+' (approx, Mar 2026)';
calcNRI();
};
window.calcNRI=function(){
var sal=+Q('nri-sal').value||0;
var exp=+Q('nri-exp').value||0;
var cityName=Q('nri-city')?.value||'Pune';
if(!sal)return;
var inr=sal*selCur.rate;
var savings=inr-exp;
var loanElig=savings*60;
var c=CITIES.find(function(x){return x.n===cityName;})||CITIES[3];
var minPrice=parseFloat(c.price.replace(/[^\d]/g,''))*500;
var maxLoan=savings*0.4*12*20;
var affordBudget=maxLoan*1.25;
Q('nri-rate-lbl').textContent='1 '+selCur.sym+' = \u20b9'+selCur.rate+' (approx, Mar 2026) | Monthly INR: '+fi(inr);
Q('nri-res').style.display='block';
Q('nri-stats').innerHTML=''+c.flag+'
'
+''+c.sym+'
'
+''+c.name+'
'
+''
+''
+''
+''
+''
+'
'
+'Monthly INR Income
'+fi(inr)+'
Monthly Savings (after India exp)
'+fi(savings)+'
Max Loan Eligibility
'+fi(loanElig)+'
Affordable Budget (20yr)
'+fi(affordBudget)+'
'
+'\ud83c\udfd9\ufe0f '+c.n+' Affordability:
' +'Entry price starts at '+c.price+'/sqft. ' +(affordBudget>5000000?'\u2705 Your budget comfortably allows premium properties in '+c.n+'.':affordBudget>2500000?'\u26a0\ufe0f Your budget fits mid-range apartments in '+c.n+'.':'\ud83d\udd35 Consider Tier 2 cities for better value at your current savings rate.')+' ' +'Rental yield: '+c.rental+'. Expected 10-year value growth: '+c.grow+'%/yr.' +'
';
};// PROPERTY WIZARD
var FEATURES=['Metro Connectivity','IT Park Nearby','Airport Access','School Nearby','Hospital Nearby','Shopping Mall','Highway Access','Green Zone','RERA Approved','Gated Community','Water Supply 24x7','Power Backup'];
function buildFeatures(){
var w=Q('feat-wrap');if(!w)return;
w.innerHTML=FEATURES.map(function(f,i){
return ''+f+'';
}).join('');
}
window.toggleFeat=function(el){el.classList.toggle('on');};function buildWizCities(){
var sel=Q('w-city');if(!sel)return;
sel.innerHTML=CITIES.map(function(c){return '';}).join('');
}window.wNext=function(step){
document.querySelectorAll('.wiz-step').forEach(function(s){s.classList.remove('on');});
Q('ws'+step).classList.add('on');
for(var i=0;i<3;i++){
var d=Q('wd'+i);
if(i' +'Entry price starts at '+c.price+'/sqft. ' +(affordBudget>5000000?'\u2705 Your budget comfortably allows premium properties in '+c.n+'.':affordBudget>2500000?'\u26a0\ufe0f Your budget fits mid-range apartments in '+c.n+'.':'\ud83d\udd35 Consider Tier 2 cities for better value at your current savings rate.')+' ' +'Rental yield: '+c.rental+'. Expected 10-year value growth: '+c.grow+'%/yr.' +'
'
+'
'
+'
';
Q('wiz-result').innerHTML=html;Q('wiz-result').style.display='block';
setTimeout(function(){Q('wiz-result').scrollIntoView({behavior:'smooth',block:'start'});},100);
};window.copyWizResult=function(){
if(!lastWizData.val)return;
var w=lastWizData;
var txt='Property Analysis\nCity: '+w.city+' | Type: '+w.type+'\nBudget: '+fi(w.val)+'\nEMI: '+fi(w.emi)+'\nUpfront Cost: '+fi(w.upfront)+'\nVerdict: '+w.verdict;
if(navigator.clipboard)navigator.clipboard.writeText(txt).then(function(){alert('Copied!');});
};// AI
var currentCity=null;
var AI_KB={
buy_rent:'BUY vs RENT \u2014 2026\n\n\u2705 Buy if: EMI \u226440% income | 20% down payment ready | Stay 5+ years | IT/employment hub\n\n\u274c Rent if: EMI >40% income | Job uncertain | Relocating in 2\u20133 years | High-priced market (South Mumbai)\n\n2026 Advantage: RBI cut rates 125 bps \u2014 home loans 8.3\u20138.8%, lowest in 4 years. Prices rising 9% avg.\n\nRule: Monthly rent \xd7 200 = fair property value. If property costs more, renting may be smarter.\n\n\ud83c\udfaf KEY: If EMI >40% salary, buy smaller flat in better location, not bigger in periphery.',
loan_elig:'LOAN ELIGIBILITY 2026\n\nBanks give 55\u201360x monthly net salary:\n\u20b930K/mo \u2192 \u20b916\u201318L\n\u20b950K/mo \u2192 \u20b927\u201330L\n\u20b975K/mo \u2192 \u20b941\u201345L\n\u20b91L/mo \u2192 \u20b955\u201360L\n\u20b91.5L/mo \u2192 \u20b982\u201390L\n\nBoost eligibility: Add spouse as co-applicant | Clear existing loans | CIBIL 750+\n\nRates 2026: SBI 8.5% | HDFC 8.6% | Kotak 8.4% | Bajaj HF 8.3%\n\n\ud83c\udfaf KEY: Every \u20b95,000 existing EMI reduces home loan eligibility by \u20b93\u20134L.',
hidden_costs:'HIDDEN COSTS \u2014 Complete List\n\n\u20b970L flat actual cost = \u20b980\u201385L:\n\n1. Stamp Duty: 4\u20138% (state-wise)\n2. Registration: 0.5\u20132%\n3. GST: 5% (under-construction only)\n4. Society corpus: \u20b950K\u20132L\n5. Parking: \u20b92\u20138L (not in agreement)\n6. Legal: \u20b915K\u201350K\n7. Loan processing: 0.25\u20131%\n8. Interior/furnishing: \u20b95\u201315L\n\nRule: Budget 12\u201315% ABOVE flat price.\n\n\ud83c\udfaf KEY: Keep \u20b98\u201310L extra liquid for \u20b970L flat.',
rera:'RERA \u2014 Your Protection\n\n\u2705 Builder MUST register project before selling\n\u2705 70% collections in escrow\n\u2705 Completion date legally binding\n\u2705 Carpet area clearly stated\n\u2705 5-year defect liability\n\nCheck at: MahaRERA.maharashtra.gov.in | rera.karnataka.gov.in | UP RERA | TN RERA\n\nRed Flags:\n\u274c Not registered on RERA\n\u274c Asking 10%+ before registration\n\u274c Vague possession date\n\n\ud83c\udfaf KEY: Check RERA portal BEFORE signing anything.',
under_const:'UNDER-CONSTRUCTION vs READY\n\nU/C Pros: 15\u201330% cheaper | Pay in stages | Higher appreciation\nU/C Cons: 5% GST | Delay risk | No rental during construction\n\nReady Pros: No GST | Immediate rental | No delay risk\nReady Cons: 15\u201330% premium\n\nSafety check U/C: Last 3 projects on time? | RERA registered? | Bank-approved?\n\n\ud83c\udfaf KEY: Never buy U/C from builder with already-delayed projects.',
tenure:'20yr vs 30yr LOAN\n\n\u20b950L at 8.5%:\n20yr: EMI \u20b943,391 | Interest \u20b954.1L\n30yr: EMI \u20b938,446 | Interest \u20b988.4L\n\nDifference: \u20b94,945/month saved BUT \u20b934L more interest!\n\nBest strategy: Take 30yr \u2192 Invest \u20b95K/month in SIP \u2192 Prepay lump sum at year 5.\n\nAge rule: Loan must close before retirement. Age 35 = max 25yr.\n\n\ud83c\udfaf KEY: Take 30yr but pay 1 extra EMI/year \u2014 saves 4\u20135 years.',
prepay_strat:'PREPAYMENT STRATEGY\n\nFirst 5\u20137 years: 70\u201380% of EMI goes to interest. Prepay in this period = MAXIMUM savings.\n\n1. Put annual bonus as prepayment Year 1\u20133. Saves 3\u20134x in future interest.\n2. Step-up EMI by 5\u201310%/year with salary hike.\n3. \u20b95L prepayment at Year 5 saves ~\u20b915\u201320L on \u20b950L loan.\n\nWhen NOT to prepay: If SIP returns >8.5% (loan rate).\n\n\ud83c\udfaf KEY: Prepay only in first 5 years \u2014 that\u2019s when it saves maximum.',
tax_benefit:'HOME LOAN TAX BENEFITS\n\nSec 24(b): \u20b92L/yr interest (self-occupied)\nSec 80C: \u20b91.5L/yr principal (+ stamp duty year 1)\nSec 80EEA: \u20b91.5L additional for first-time (property \u226445L)\n\nJoint Loan = DOUBLE:\nBoth owners claim individually.\nCouple joint: Each \u20b92L+\u20b91.5L = \u20b97L total deduction!\n\nSale Tax: LTCG 12.5% (held 3+ years)\n\n\ud83c\udfaf KEY: Joint home loan doubles tax benefits \u2014 saves \u20b960K\u20131L/yr in 30% bracket.',
nri:'NRI REAL ESTATE 2026\n\nCAN buy: Residential \u2705 | Commercial \u2705 | Agricultural land \u274c (needs RBI permission)\n\nNRE/FCNR: Freely repatriable\nNRO: $1M/year limit\nHome loan at 8.5\u20139%: Allowed\n\nBest NRI Cities:\n1. Kochi \u2014 Gulf Malayalee, 4\u20135% yield\n2. Bangalore \u2014 IT NRIs USA/Europe\n3. Chandigarh \u2014 Punjab diaspora\n4. Coimbatore/TVM \u2014 retirement homes\n\nPoA: Get REGISTERED Power of Attorney.\n\n\ud83c\udfaf KEY: Tier 2 cities give NRIs highest yield + appreciation at lower cost.',
invest_2026:'BEST INVESTMENTS 2026\n\nHighest Appreciation:\n1. Noida/Yamuna Exp \u2014 15% (Jewar Airport)\n2. Bangalore \u2014 14% (GCC demand)\n3. Jaipur \u2014 12% (DMIC)\n4. Indore \u2014 11% (Super Corridor)\n5. Hyderabad \u2014 10% (Pharma City)\n\nBest Rental Yield:\n1. Coimbatore \u2014 4.5\u20135.5%\n2. TVM/Kochi \u2014 4\u20135.5%\n3. Indore/Nagpur \u2014 4\u20135%\n\nBest Affordability:\nIndore, Nagpur, Ahmedabad, Bhubaneswar \u2014 under \u20b940L entry, 8\u201311% growth\n\n\ud83c\udfaf KEY: Tier 2 cities = best risk-adjusted returns 2026.',
first_home:'FIRST HOME \u2014 8-Step Guide\n\n1\ufe0f\u20e3 CIBIL 750+ | EMI \u226440% income\n2\ufe0f\u20e3 Save 20\u201325% down + 12\u201315% extra for costs\n3\ufe0f\u20e3 Priority: Work \u2192 School \u2192 Hospital \u2192 Market\n4\ufe0f\u20e3 Check RERA registration FIRST\n5\ufe0f\u20e3 Hire independent lawyer (check title, OC, plan)\n6\ufe0f\u20e3 Negotiate: free parking, modular kitchen\n7\ufe0f\u20e3 Apply to 3 banks simultaneously\n8\ufe0f\u20e3 Always get biometric registration done\n\n\ud83c\udfaf KEY: Smaller flat in better location > bigger flat in periphery.',
seller_guide:'SELLER GUIDE 2026\n\nBest time to sell: Jan\u2013April (peak buyer activity). Avoid monsoon.\n\nPricing:\n\u2022 Research 5 similar properties in area\n\u2022 Price 5\u20138% above target (negotiation buffer)\n\u2022 Don\u2019t over-price \u2014 stale listing loses value\n\nDocuments needed:\n\u2705 Original sale deed + title chain\n\u2705 Encumbrance certificate (EC)\n\u2705 Property tax paid receipts\n\u2705 Khata/Patta in your name\n\u2705 NOC from society\n\u2705 OC (Occupation Certificate)\n\nNRI Sellers: Buyer deducts 20% TDS.\n\n\ud83c\udfaf KEY: Get EC (Encumbrance Certificate) before listing.',
banker_guide:'FOR BANKERS 2026\n\nKey Ratios:\nFOIR (Fixed Obligation to Income Ratio): Keep <50%\nLTV: Max 80% for loans above \u20b930L (RBI guideline)\nCIBIL: Min 700, ideal 750+\n\nAppraisal Red Flags:\n\ud83d\udd34 Missing OC (Occupation Certificate)\n\ud83d\udd34 Not on approved plan\n\ud83d\udd34 RERA non-registered\n\ud83d\udd34 Disputed title\n\nRBI 2026 Guidelines:\nLTV: 90% for <\u20b930L | 80% for \u20b930\u201375L | 75% for >\u20b975L\nProcessing fee: Max 2%\n\n\ud83c\udfaf KEY: Always verify original documents \u2014 never rely on photocopies.',
pmay:'PMAY 2.0 \u2014 2026\n\nEligibility:\nEWS (<\u20b93L): Subsidy up to \u20b92.67L\nLIG (\u20b93\u20136L): Subsidy up to \u20b92.67L\nMIG-I (\u20b96\u201312L): 4% interest subsidy on \u20b99L\nMIG-II (\u20b912\u201318L): 3% subsidy on \u20b912L\nNo existing home in family name\n\nApply at: pmaymis.gov.in | Through SBI, HDFC, PNB\nAadhaar linking mandatory\n\nCLSS: Subsidy credited to loan \u2014 reduces EMI directly.\n\n\ud83c\udfaf KEY: Income under \u20b918L? ALWAYS check PMAY before taking loan.',
commercial:'COMMERCIAL RE 2026\n\nCap Rate = Annual Rent / Value (ideal: 6\u20139%)\nGrade A Bangalore/Hyderabad/Pune: 85\u201392% occupancy\nLease: 3+3+3 years with 15% escalation\n\nTop commercial markets:\n\ud83c\udfc6 Bangalore ORR/Whitefield \u2014 GCC demand\n\ud83c\udfc6 Hyderabad HITEC City \u2014 Financial District\n\ud83c\udfc6 Pune Hinjewadi \u2014 IT demand\n\nWarehousing hotspots:\nNHAI Logistics Parks along expressways. DM Corridor. Chennai-Bangalore-Pune triangle.\n\nGST: 18% on U/C commercial. No GST on resale.\n\n\ud83c\udfaf KEY: Grade A commercial in Bangalore/Hyderabad delivers 7\u20139% yield vs 3\u20134% residential.',
joint_prop:'JOINT PROPERTY\n\n\u2705 DOUBLE tax benefits (each owner claims Sec 24 + 80C)\n\u2705 Higher loan eligibility (both incomes)\n\u2705 Stamp duty rebate for women co-owner\n\nTypes:\nJoint Tenancy: Automatic right of survivorship\nTenancy in Common: Each has defined % share\n\nBetween spouses:\nJoint loan + joint ownership = ideal tax structure.\n\nPoA for NRI:\nNRI can jointly own with resident Indian. Easier repatriation.\n\n\ud83c\udfaf KEY: Always define ownership % in sale deed. Verbal = no legal standing.'
};window.AQ=function(el,key){
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var key=window._aiKey||'';
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var hist=Q('ai-hist');
hist.innerHTML+=''+cityName+' \u00b7 '+ptype+' \u00b7 '+(purp)+' \u00b7 '+tenure+'yr loan
'
+''
+''
+''
+'
'
+''+verdictTitle+'
'+verdictSub+'
\ud83d\udcb0 Cost Breakdown
'
+'| Cost Component | Amount | % of Budget |
|---|---|---|
| Down Payment | '+fi(dp)+' | '+Math.round(dp/val*100)+'% |
| Stamp Duty ('+c.stamp+'%) | '+fi(sdCost)+' | '+c.stamp+'% |
| Registration (~1%) | '+fi(regCost)+' | 1% |
| GST (5% U/C) | '+fi(gstCost)+' | 5% |
| Legal Fees | '+fi(legal)+' | '+((legal/val)*100).toFixed(1)+'% |
| Society Maintenance | '+fi(maint)+' | '+((maint/val)*100).toFixed(1)+'% |
| Total Upfront Cost | '+fi(totalUpfront)+' | '+((totalUpfront/val)*100).toFixed(1)+'% |
'
+''
+''
+''
+''
+''
+''
+'
'
+'Monthly EMI
'+fi(emi)+'
Loan Eligibility
'+fi(loanElig)+'
Debt-Income Ratio
'+dti.toFixed(1)+'%
Monthly Savings after EMI
'+fi(inc-emi-existEMI)+'
Estimated 10yr Value
'+fi(futureVal)+'
10yr ROI
'+roi+'%
\ud83e\udde0 Smart Recommendations
'
+recs.map(function(r){
var col=r.t==='go'?'#4ade80':r.t==='warn'?'#fcd34d':'#fca5a5';
return ''+'\u25cf'+''+r.m+'
';
}).join('')
+'\ud83d\udc64 '+displayQ+'
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Q('ai-q').value='';window._aiKey='';
document.querySelectorAll('.chip').forEach(function(c){c.classList.remove('on');});
Q('ai-q').placeholder='Type city name, or any real estate question...';
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var ans='';
if(qInput){
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if(kl.includes('buy')&&(kl.includes('rent')||kl.includes('renta')))key='buy_rent';
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if(key&&AI_KB[key]){
ans=AI_KB[key];
if(currentCity)ans+='\n\n\ud83d\udccd '+currentCity.n+' Context: Rate '+currentCity.rate+'%, Growth '+currentCity.grow+'%, Price '+currentCity.price+'/sqft. Hot areas: '+currentCity.areas.slice(0,3).join(', ')+'.';
} else {
var kl2=(qInput||'').toLowerCase();
var mc=CITIES.find(function(c){return kl2.includes(c.n.toLowerCase());});
if(mc){
ans=''+mc.n+' ('+mc.st+') \u2014 2026 Overview\n\n'
+'\ud83d\udcca Price: '+mc.price+'/sqft | Growth: '+mc.grow+'%/yr | Rate: ~'+mc.rate+'%\n'
+'\ud83c\udfe0 Rental: '+mc.rental+' | Stamp Duty: '+mc.stamp+'%\n\n'
+'\ud83d\udd25 Hot areas: '+mc.areas.slice(0,4).join(', ')+'\n\n'
+'For Investors: '+mc.investor+'\n\n'
+'For End-users: '+mc.enduser+'\n\n'
+'\u26a0\ufe0f Watch out: '+mc.risk;
} else {
ans='I can help with:\n\n'
+'\u2022 Any city: just type the city name (e.g., "Pune investment")\n'
+'\u2022 Stamp duty: type "Maharashtra stamp duty"\n'
+'\u2022 Topics: click chips above for instant answers\n\n'
+'Popular: Buy vs Rent | RERA Guide | Hidden Costs | Tax Benefits | Best 2026 Cities';
}
}
hist.innerHTML+='\ud83e\udd16 AI Property Advisor'+ans+'
';
hist.scrollTop=hist.scrollHeight;
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if(name==='emi')setTimeout(LP,50);
};// INIT
buildStamps();buildStateFilter();BCG('All');buildCurrencies();buildFeatures();buildWizCities();LP();
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