From shortlisting to registration — every step of buying a home in Bengaluru, who does what, and where buyers usually get stuck.
Buying an under-construction or new-launch home in Bengaluru follows a fairly standard path. Knowing the sequence helps you spot where deals go wrong — usually at documentation and payment-stage mismatches, not at negotiation.
Work backwards from loan eligibility: most banks lend 4–5× your annual income, capped near 50% of gross monthly income after existing EMIs. Keep 8–10% of the property value aside for stamp duty, registration, and GST on under-construction property.
Ask for the price sheet with the breakup: base price, floor rise, PLC (preferential location charge), parking, maintenance deposit, GST, and statutory charges. Negotiate on line items, not the headline number — waivers on PLC or floor rise are common at quarter-end.
Booking amount (typically ₹2–10 lakh) is receipted against the unit. The agreement to sell follows within weeks and fixes the payment schedule, possession date, and delay penalties. Read the delay-penalty clause — RERA caps it, but you must know the stated rate.
Sale deed registration happens at a Kaveri SRO or a registered e-khata jurisdiction. Budget a day: stamp duty and registration are paid beforehand online, biometrics happen in person. For under-construction buys, registration usually happens on final payment or possession offer — whichever the agreement fixes.
The guides above reference real Bengaluru projects. These are live, verified listings — prices and RERA numbers are shown.
Guides cover the general picture. Your situation — budget, BHK needs, timeline, specific localities — is different. Talk to an advisor who can walk you through it.
