Bengaluru Homebuyers Dilemma: Under-Construction vs. Ready-to-Move Properties
As property prices in Bengaluru's eastern and south-eastern corridors surge, homebuyers are torn between investing in under-construction properties and stretching their budgets for ready-to-move homes.
BengaluruReal EstateProperty PricesUnderconstructionReadytomoveReal EstateAug 25, 2025
A 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, especially for those who value the certainty of possession and transparency of the product. “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 south-eastern 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 property price increases in Bengaluru?
The main factors driving property price increases in Bengaluru include the growing demand from the IT sector, infrastructure improvements, and the development of new residential and commercial areas.
What are the benefits of buying under-construction properties?
Benefits of buying under-construction properties include lower prices, phased payment schedules, the opportunity to choose preferred units, and higher appreciation potential.
What are the risks associated with under-construction properties?
Risks associated with under-construction properties include delayed possession, quality compromises, and the possibility of mismatched expectations. It is advisable to choose reputable developers to minimize these risks.
Why are ready-to-move properties more expensive?
Ready-to-move properties are more expensive because they offer immediate possession, transparency, and the assurance of a completed product. They also require immediate lump-sum payments or loan disbursements.
What should homebuyers consider when deciding between under-construction and ready-to-move properties?
Homebuyers should consider their budget, risk tolerance, and the balance between affordability and certainty. Under-construction properties offer better pricing and potential upside but carry risks, while ready-to-move properties assure security at a premium.
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