Under-construction properties are often priced more attractively than ready-to-move homes, and can carry a payment schedule that’s easier on cash flow – but that upside comes with real risk if the due diligence is skipped. Here are five things worth checking before you commit.
Every project above 500 sq. m or 8 units must be RERA-registered before a single unit is marketed or sold. Check the registration number yourself on rera.karnataka.gov.in rather than relying on what’s printed in a brochure – it takes two minutes and tells you the promoter’s track record, project timeline, and any pending complaints.
A registered project isn’t automatically a well-run one. Look at the developer’s past projects – were they delivered close to the promised date? Is there a pattern of delays across multiple projects, or was a single delay a one-off?
Ask for a construction schedule, not just a possession date. Many lenders offer a repayment holiday of 18–36 months specifically for under-construction loans, because timelines can shift – useful to know when planning your own finances around the purchase.
Home loan rates in 2026 range broadly from around 7.10% p.a. at the most competitive end to well over 12% depending on the lender and your credit profile – a borrower with a credit score above 750 will typically see meaningfully better offers than one in the 650–700 range. Most banks finance up to 80% of the property value, though some extend this to 90% for smaller loan amounts. Get a sense of your eligible loan amount and rate before you fall in love with a unit priced above it.
Sale Deed, Mother Deed, Encumbrance Certificate, and Khata records should all be clean and available for review. This is the single area where buyers most often skip due diligence simply because it’s tedious – but it’s also where problems, if they exist, are most likely to surface.
Our Revenue Documentation and Liaison Services teams handle exactly this kind of verification for every project we recommend, and every listing on our Properties page has been through this process. If you’re evaluating a specific project – ours or otherwise – get in touch and we’re happy to help you work through the checklist.
Nalanda Group is a real estate service agency offering residential and commercial rentals, land development support, revenue documentation, liaison services, TDR services, and channel partner services.
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