Apartment vs. Individual House – What’s A Better Option in Bangalore?

Should you buy an apartment or should you build yourself an individual house? This is a never-ending dispute among homebuyers everywhere. If you are a first-time homebuyer, in particular, you might have a lot more confusing tasks to handle before you decide to settle down in your first home. There is the concern of how you would get a home loan and whether your credit score is good enough to fetch you good deals for home loans. And even before that, there is the actual choice between an apartment and an individual house. Here are some questions you’d probably consider answering before you come to a conclusion.

  • What is my budget?
  • Am I looking for a calm and quiet location or are you looking to settle in the heart of the city?
  • Do I want to move in very soon or would I prefer waiting for a few more years?
  • Safety or privacy- which would be a primary concern?

The fact is that both apartments and individual homes can fulfill all of these conditions in one way or another. But then there are some distinct factors that help make your choice.

Choice of locality

In a metropolitan city like Bangalore, we have seen that the available open spaces are getting depleted by builders and their projects. There are more and more people moving into the city and there is an ever-increasing demand for homes. But the space crunch cannot be forgotten. If you would like to settle in a locality that is in the heart of the city, or perhaps find a house close to your office or children’s schools then finding a plot to build your individual house might be a tedious task. On the other hand, you would be able to find a large number of options in apartments. The expansion of the city borders and the increased urbanization of the outskirts in the recent years has been to tackle this bottleneck. Ideally, unless you already own a plot somewhere in the center of the city or if you stumble upon a builder that offers villa plots in prime locations, you would be left with only one choice if you want to own an individual house- choose a plot in the remote parts of the city. In the second case, where plots are sold in prime locations, the costs are going to be sky-high.

Flexibility vs. Ready Availability

When you build an individual house, you have the absolute freedom to choose the design and appearance unless you own a plot in a community with strict guidelines on the external appearance of the houses. But with apartments, you may or may not be allowed to make any modifications to the main construction. You can, however, choose to splurge on the interior design to give it your personal touch. If you are buying a resale property while choosing an individual house, it would be ready to move in. But when you build a home on a plot it would take a considerable amount of time for the construction to be fully completed. In terms of an apartment, if you choose a reliable builder with RERA registered you have the assurance that you would get your home within the stipulated time. And with an apartment, you simply have to pay the price of the property and the builder would take care of all the construction and timely delivery. You do not have the hassle of finding architects and contractors to help you build as with individual houses.

Privacy vs. Safety

It’s a no-brainer that the privacy that an individual house offers is quite something. That’s not to say that apartments are lacking. Real estate developers today make it a point to create apartments that ensure an individual’s privacy is maintained by others. The common areas would be accessible to all the residents. But there is one factor that draws most home buyers to apartments and that is round-the-clock security. Most apartments today also come with surveillance cameras, 24/ 7 manned security guards and monitored visitor management system. This is to ensure that the absolute safety of the residents is assured at all costs. Let’s not forget the fact that living in a community adds to the safety factor as having more neighbors around can only prove to be beneficial in the event of an emergency.


If you own a villa or build a house in a gated community, then you would be able to access the amenities. But in most cases, this is missing with individual houses. Apartment owners, on the other hand, would be able to access the very best amenities within the premises. This saves a lot of time and efforts, especially in a busy life. Maintenance costs and efforts will also be cut down in the case of apartments since the costs are taken care of by the community/society.


So should you buy an apartment or an individual house?

While each has its own benefits:

  • If you are looking for the resale value based on land appreciation then individual homes are better. The building value depreciates here, however. Apartments, on the other hand, would have an appreciation value based on the development of the locality but then there would be no land value attached, except the small portion of undivided share offered with the flat.
  • Plot owners get delayed tax benefits but apartment owners can immediately avail them, especially for their first home.
  • The homeowners’ association makes it easy to get any type of work done in an apartment. This includes the likes of plumbing, electrical fittings and so on. But with an individual house, you would have to run and get things done yourself. And there is the hassle of getting the grants and permits all by yourself when you build the house. The registration process is also going to take a tad bit longer than when you buy an apartment from a trusted builder who can get it all done quite quickly.

So in the end, while the choice does rest more in favor of an apartment, it is your choice after all. Weigh all your options and pick the best one that would suit you and your family.

Guide for Buying Your Dream Apartment in Bengaluru

Bengaluru is an incredible city. While being known for many things, it’s also quite a great place to live in. For those looking to settle in Bengaluru for good, you must’ve at least once considered the possibility of buying yourself a good home to settle in for the long haul, even if it was just a fleeting thought.


But if you’re quite serious about owning an apartment for yourself, then there’s a lot to really be considered. Lucky for you, we’ve put a guide to buying your dream apartment in Bengaluru.


  1. Location, Location, Location

Let’s be honest. The location of where you live plays a significant role in practically everything else in your life be it your work, where your children go to school or even the convenience stores. The most determining factor here is the convenience of travel associated with the location of where you reside. You wouldn’t want to be living in one end of the city and have to travel an hours’ journey to where you work. Best to consider a location that’s at the center of all your needs.


  1. How Deep Do Your Pockets Run?

We all crave that dream apartment that we see in the movies. The ones with the spacious common room, magnificent bathrooms and a balcony with a view of the entire city in all its glory. Unfortunately, not all of us get that and we mostly have to settle for something almost as good. Regardless of what apartment you decide to buy, it costs a considerable amount of money. If it’s a pure luxury you seek, then be sure to shell out the extra cash for it. Otherwise, even the most affordable homes can provide you with a class living of its own. If it runs beyond your pocket, you could consider a loan.


  1. The Finer Things

If you’re looking for an apartment, chances are that most real estate projects come equipped with modern amenities to make your stay all the more comfortable. If you’re going ahead with a particular apartment, it’s fair to say that it would be your dream home and after all, you want your dream home to have the very best facilities. Projects today come equipped with a multitude of sports amenities, clubhouses, and swimming pools to say the least. While they may be seen as a bit of a luxury, they’re undeniably incredible to accommodate your living experience as a whole.


  1. Serenity Vs Hustle

This correlates with the first point perfectly but the factor is different. If you’re the kind looking to embrace a bit of peace and quietness as a part of your living experience, Bengaluru plays host to a variety of areas that are a bit secluded from the cityscapes making for a living that’s tranquil and peaceful. However, if you’re the opposite and enjoy the lifestyle of the city and prefer to be closer to everything, then it would be wiser to seek out stay that’s within the hustle and bustle. Staying in a secluded region may then turn out to be quite the bore. This factor would really depend on the life you intend to choose.


  1. Quality of The Living Experience

Keep in mind that this includes a variety of things. While every builder has their offerings, it’s important to understand what your home actually offers. This brings about the need to ask many questions. Does my home have good ventilation? Is there an uninterrupted power supply? Do I have access to clean water all day? Are the operation and maintenance looked after? Is the waste and sewage disposal looked after? These may seem unnecessary at first but are very important in the long run.


Finding your dream home is no easy task. It may even have a much bigger list to be checked out. But as long as you have the most basic of factors and conditions looked into, you could be one step closer to picking up your dream home.