In short
Payotte does not compute stamp duty in Uttar Pradesh: the state's official rate pages could not be read from outside India. Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.
The questions, answered
How much stamp duty in Ghaziabad?
Payotte does not compute stamp duty in Uttar Pradesh: the state's registration department rate pages could not be read (its portal refuses connections from outside India), and Payotte publishes no figure it has not read at the source. Check the rate with the Inspector General of Registration or the sub-registrar office.
What EMI on a ₹50 lakh home in Ghaziabad?
For a ₹50 lakh home, an Indian bank may lend at most 80% of the cost (₹30 to 75 lakh band, RBI), that is ₹40 lakh at most, the buyer paying at least ₹10 lakh plus stamp duty and registration, which banks do not finance (except on a home costing ₹10 lakh or less). At 7.61%, the RBI average rate on new housing loans (August 2026, provisional), ₹40 lakh over 20 years costs ₹32,493 a month.
Are house prices rising in Ghaziabad?
Ghaziabad is one of the 18 cities of the RBI House Price Index, which rose +3.6% over a year in Q1:2026-27 (April-June 2026) for all 18 cities together; the city figure is published only in the RBI's DBIE database.
The figures
| Measure | Value | Source |
|---|---|---|
| RBI House Price Index, 18 cities, over a year | +3.6% | RBI, Q1:2026-27 (April-June 2026) |
| Average rate, new housing loans (August 2026) | 7.61% | RBI, provisional |
| RBI policy repo rate | 5.5% | RBI, since 7 October 2026 |
No official, openly readable series gives the price of a home in rupees city by city: the RBI and the NHB publish indices, not prices.
Elsewhere in Uttar Pradesh
Sources
- Prices: National Housing Bank, NHB RESIDEX press release, Q1 FY 2026-27 (April-June 2026) (NHB copyright policy: material may be reproduced free of charge, the source being prominently acknowledged (https://www.nhb.org.in/copyright-policy/)); Reserve Bank of India, press release 2026-2027/958, All-India House Price Index for Q1:2026-27 (24 August 2026).
- Loans: RBI, Lending and Deposit Rates of Scheduled Commercial Banks – September 2026, Table 9 (Sector-wise WALR, fresh rupee loans sanctioned, Housing); RBI (Commercial Banks – Credit Facilities) Directions, 2025, paragraph 111.