Let me explain in detail, As per my knowledge the charges are 10.09% (registr=1%, Stampduty=5%, servicetax=3.09%, VAT=1%) of Property cost.
But builder is asking 12% (reg=1, sd=6, stax=3 and VAT=2)
Now my question is are these charges place dependent? Are they variable place to place or person to person?
Can I straight way refuse to pay the amount he is asking?