Home-Buying Checklist for Bangalore (2026)
By Property Point Advisory·Updated September 2026
In short
Before booking a home in Bangalore, verify RERA registration on RERA Karnataka, the title chain, Khata (insist on A-Khata; B-Khata limits home loans and resale), approved plan/OC, and Cauvery (BWSSB) connection vs borewell/tanker dependence is a make-or-break check. Get every promise into the agreement, and keep 8–12% of the price aside for statutory and closing costs.
Legal & title
- RERA registration — search the project on RERA Karnataka (https://rera.karnataka.gov.in)
- Clear, marketable title and the mother deed / chain of ownership
- Khata (insist on A-Khata; B-Khata limits home loans and resale)
- Encumbrance Certificate (no dues/litigation) and approved building plan / FAR sanction
- Occupancy Certificate (OC) for ready homes; completion timelines in the RERA filing for under-construction
Money & loan
- Home-loan sanction and the bank's own legal/technical clearance (a second opinion on title)
- All-in cost: price + GST + stamp duty + registration + parking + corpus
- Payment plan (construction-linked vs down-payment) and the penalty clause for delays
Bangalore red flags buyers actually hit
- FAR violations and B-Khata units — banks hesitate and resale is hard
- Pre-launch bookings on un-approved land (litigation risk, indefinite delays)
- Cauvery (BWSSB) connection vs borewell/tanker dependence is a make-or-break check
- Verbal amenity promises not written into the sale agreement
Good to know
Questions buyers ask
What is the single most important check when buying in Bangalore?
RERA registration plus a clean title and Khata (insist on A-Khata; B-Khata limits home loans and resale). Skip these and both your loan and future resale are at risk.
Should I buy pre-launch to save money?
Only from a tier-1 builder on fully approved land. Community threads are full of pre-launch bookings stuck for years due to litigation — the discount rarely justifies the risk.
Ready-to-move or under-construction?
Ready-to-move removes construction and delay risk and attracts no GST, but costs more. Under-construction is cheaper with more choice, but demands strict RERA and builder due diligence.
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