Bengaluru Homebuyers Debate Under-Construction vs Ready-to-Move Properties Amid Price Surge
Bengaluru's housing market is experiencing a significant rise in property prices, particularly in IT hubs like Varthur and Sarjapur. Homebuyers are grappling with the decision to invest in under-construction properties or stretch their budgets for ready-to-move-in homes.
BengaluruHousing MarketProperty PricesUnderconstructionReadytomoveReal Estate NewsAug 25, 2025
A recent discussion on Reddit highlighted the dilemma of a prospective buyer with savings of ₹40 lakh and a budget of ₹1.3 crore, who is scouting for a three-bedroom apartment in Varthur or Sarjapur. With prices up significantly over the last year, properties slated for delivery within a year are commanding steep premiums, raising concerns of overpaying.
“I have saved around ₹40 lakh currently in a fixed deposit to buy a home. I have seen a few properties with 1-year delivery. Prices have increased dramatically in the last year, and given that these are within one year ready to move, I end up paying much higher than what the property is worth,” the Redditor wrote.
“I am not sure if I should buy ready to move within one year or search for under-construction properties. The flat that I have shortlisted by Tier 2-3 builders is almost ₹1.3 cr for 3bhk,” he wrote.
Several users argued that under-construction homes, especially from reputed developers, offer flexibility, phased payment schedules, and the opportunity to select preferred units. They are typically priced lower than resale or near-completion units and often carry higher appreciation potential.
However, Redditors also warned of execution risks, delayed possession, and the possibility of quality compromises or mismatched expectations. One user suggested sticking strictly to Tier-1 developers if opting for under-construction properties: “Tier-1 builders may delay, but they won’t deny delivery. Anything else risks your capital.”
The appeal of ready-to-move homes is strong, with many users pushing for these options. They highlight the certainty of possession, transparency of product, and avoidance of hidden surprises. “What you see is what you get,” noted one Redditor, adding that buyers can easily identify potential negatives like noise, light, or layout shortcomings before committing.
But ready-to-move properties come at a higher cost. They often require immediate lump-sum outflows or loan disbursement, with EMIs starting right away. They also offer limited appreciation potential compared to under-construction projects.
A homebuyer shared his experience of delayed handover despite planning for school admissions near the new home. “I had to rent again for a year because the promised handover didn’t happen. Always keep a buffer of six to twelve months if you choose under-construction,” they advised.
Others emphasized that with Tier-2 or Tier-3 developers, risks multiply, making ready-to-move homes a safer bet. “With your budget and a lower-grade builder, there’s a good chance of delayed possession and quality issues,” one comment read.
Real estate experts note that Bengaluru’s property prices, particularly in eastern and southeastern corridors, have surged 15–30% in the last three years, driven by IT sector demand and infrastructure growth. “For homebuyers, the decision boils down to balancing affordability against certainty: under-construction homes promise better pricing and potential upside but carry risks, while ready-to-move homes assure security at a premium,” they said.
As one user summed it up: “This is a one-time investment. Don’t get misled, buy only what gives you peace of mind.”
Frequently Asked Questions
What are the main factors driving the increase in property prices in Bengaluru?
The main factors driving the increase in property prices in Bengaluru are the high demand from the IT sector, infrastructure growth, and the development of new IT hubs like Varthur and Sarjapur.
What are the advantages of investing in under-construction properties?
Advantages of investing in under-construction properties include flexibility in choosing units, phased payment schedules, and the potential for higher appreciation. They are often priced lower than resale or near-completion units.
What are the risks associated with under-construction properties?
Risks associated with under-construction properties include delayed possession, execution risks, and the possibility of quality compromises or mismatched expectations, especially with Tier-2 or Tier-3 developers.
Why are ready-to-move properties more expensive?
Ready-to-move properties are more expensive because they offer immediate possession, transparency, and the certainty of the final product. They also require immediate lump-sum outflows or loan disbursements, with EMIs starting right away.
What should homebuyers consider when choosing between under-construction and ready-to-move properties?
Homebuyers should consider their budget, the risks and benefits of each option, and the reliability of the developer. It's also advisable to keep a buffer of 6 to 12 months if choosing under-construction properties to account for potential delays.
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