How to Finance Your interiors – A Simple Guide for First-Time Buyers

Buying a home is one of the biggest financial and emotional decisions you'll make in your lifetime. Whether you're eyeing a cozy 2BHK apartment or a spacious 3BHK flat, it's important to plan your finances carefully—not just for the property itself, but also for the interiors that turn a house into a home.

In this blog, we’ll break down the basic financial planning required for buying a 2BHK or 3BHK home in India, along with interior design costs and what should ideally be done right after you get possession.

Pro Tip: Estimate the Total Property Cost .
Add about 10–12% on top of the basic property cost to get a realistic base line.

Budgeting for Interiors – The 10+10% thumb Rule:

One of the most overlooked costs in home buying is interior design and furnishing. A good rule of thumb is to set aside at least 10% of the property cost for interiors. consider another 10 % for interior decoration, furniture, furnishings, electrical fittings, equipments.

So, if your property costs ₹80 lakhs:
- Set aside ₹8 lakhs (minimum) for interiors & ₹8 lakhs (minimum) for decor and fit out.
- For a ₹1 crore home, keep at least ₹20–24lakhs

This includes:
- Modular kitchen setup
- Wardrobes and storage
- False ceiling and lighting

- specialized fittings and fixtures

- Electrical fittings and equipments

- Painting and wall treatments

What to Do Immediately After Possession:
Some elements of the interior should be done immediately, before you move in. These are not only essential for comfort, but often harder to change later:
✅ Modular Kitchen
Install your kitchen first. Plumbing, countertops, cabinets, chimney, and electrical points are key.
✅ Wardrobes & Storage
Bedroom wardrobes, lofts, and utility storage should be planned well.
✅ Flooring or Tiling (if redesigning)
Best done during initial stages and before fitouts.
✅ False Ceiling & Lighting
Adds a finished look, conceals wiring, and improves energy efficiency.
Buying a home is only half the journey. To truly enjoy your space, budget for interiors from day one. Work with professionals who understand your needs and can help you balance aesthetics with functionality.

At Dream Home Solutions, we offer end-to-end support—from architectural design and layout planning to complete interior design execution. Reach out to us to get a personalized interior consultation for your new home.

Need help with your new home’s interior plan?
Contact Dream Home Solutions today for a free first consultation.