Loading is usually quoted as a percentage: with 30% loading, a 1,000 sq ft built-up home is sold as 1,300 sq ft super built-up. It depends on the project’s common areas and amenities.
Example
Working out loading
A Mumbai flat is offered at 1,200 sq ft super built-up with 800 sq ft carpet area. The extra 400 sq ft is 50% of the carpet area. A rival project quotes 1,200 sq ft with 900 sq ft carpet — loading of about 33%. At the same quoted ₹25,000 per sq ft, the second flat gives 100 sq ft more usable space for the same ₹3 crore.
Figures are illustrative, not market rates.
Questions about Loading factor
How is loading factor calculated?
Subtract the carpet (or built-up) area from the super built-up area and divide by the base area. Because some people use carpet area and others built-up area as the base, always say which one you used; the same flat can show two different loading percentages.
Is high loading always bad?
Not always. Projects with large clubhouses, wide corridors or more lifts carry higher loading, and some buyers want those amenities. The problem is paying for loading without knowing it. Compare prices on carpet area and then decide whether the shared amenities are worth the extra cost.
Does RERA cap the loading factor?
The RERA Act does not set a loading percentage. It requires registered projects to sell on carpet area, which makes loading visible: once the price is stated per square foot of carpet area, the cost of common areas is already inside that rate.
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