When you buy a flat, you might think you're paying only for the space you'll live in. But that’s not the full picture. Most buyers also pay for common areas like staircases, lobbies, clubhouses, and terraces. This extra cost is called the loading factor.
The loading factor is the difference between the super built-up area (the total area including common spaces) and the carpet area (the actual living space inside the flat). It shows how much more you pay beyond your personal space.
Here’s the formula:
Loading% = (Super built-up area – Carpet area) ÷ Carpet area × 100
For example, if your carpet area is 1,000 sq.ft. and the super built-up area is 1,300 sq.ft., then the loading is 30%.
According to ANAROCK Research, the average loading factor in India’s top 7 cities has jumped from 31% in 2019 to 40% in Q1 2025. This is mainly because homebuyers now want better amenities. Things like fitness centres, larger lobbies, clubhouses, and safety features like fire exits have become common expectations.
This reflects a shift in lifestyle demand. While buyers enjoy these facilities, they unknowingly lose out on actual usable space inside their homes.
Some cities have seen a faster rise than others:
City | 2019 | 2022 | Q1 2025 |
MMR | 33% | 39% | 43% |
NCR | 31% | 37% | 41% |
Bangalore | 30% | 35% | 41% |
Pune | 32% | 36% | 40% |
Kolkata | 30% | 35% | 39% |
Hyderabad | 30% | 33% | 38% |
Chennai | 30% | 32% | 36% |
Mumbai (MMR) has the highest loading in 2025 at 43%, while Chennai has the lowest at 36%. Homebuyers in Chennai prefer more liveable space than common facilities.
Read more: Slice 5 Years & ₹26 Lakh Off Your ₹1.3 Crore Home Loan with a 5.18% EMI Hike!
The rise in the loading factor means that while buyers enjoy more community features, they also end up paying more for less personal space. Being aware of this cost can help you make smarter choices when buying a home. Always ask your builder how much you’re paying for your own space — and how much is for shared areas.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Published on: Jun 13, 2025, 11:09 AM IST
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