The loading factor is the percentage a builder adds to carpet area to arrive at super built-up area. It represents your share of common spaces. A loading of 30 percent means a unit with 1,000 square feet of carpet area is quoted as 1,300 square feet of super built-up area.
Why it varies
Loading is not standardised. Two projects in the same area can carry different loading factors depending on how generous the common spaces are and how the builder chooses to apportion them. A higher loading is not always worse — it can reflect wider corridors and better amenities — but it does change what you pay per usable foot.
How to read it
To compare honestly, convert the quoted super built-up area back to carpet area using the disclosed loading, then divide the price by carpet area. Since RERA requires sale on carpet area, the loading factor is now mostly useful as a way to sense-check a builder's older marketing material against the legal figure.
A simple check
If a builder quotes a low price per super built-up foot but a high loading factor, the price per usable foot may be no better than a competitor's. The loading factor is where that difference hides.