House vs Apartment – Which is the Better Decision?

House vs Apartment
House vs Apartment

Buying property always requires caution and making a choice between buying a House or an Apartment is one of the most difficult choices you will have to makes when it comes to investing in real estate. While some people prefer apartments, others fond independent houses more comfortable. However, while making a choice, you must consider various factors between House vs Apartment.

What are those factors for House vs Apartment? Keep reading to find out.




An apartment comes with several amenities such as included parking, club membership, security, power backup, water supply, and fire safety mechanisms. The costs of such facilities are either included in the price or are taken monthly by the developer.

While in independent houses, there will be an extra cost for installing all these facilities. About 2-3% of the total value would be required to set up all these amenities. While the issue of power back-up and water supply can still be solved, security would remain an issue. Also, parking can be another issue if there is a lack of space. However, if the house is located in a residential colony, a Residents’ Welfare Association will be helpful.



Buying an apartment of a project which is under construction gives you a sense of security as the developer is responsible for building not just your property, but of several others. However, the downside here is that you will be at the mercy of the developer and cannot speed up the construction process.

When it comes to a house, building it from scratch will be a long and tiring process. Moreover, collecting the raw material, hiring labor, and supervising the construction will take a lot of your time and money as well.




Getting a loan for purchasing an apartment is comparatively easier and banks usually have a list of sanctioned projects for which the loans will be easily approved.

Coming to an independent property, the borrower will have to face some troubles as the banks go through a strict analysis of such borrowers. Moreover, they will lend just 60 to 70 percent of the amount and the rest will have to be arranged by the borrower himself.




Property generally takes more time when it comes to selling. However, given that apartments are now in demand more than ever before, their saleability is hence higher.

But selling an independent house is one big of a task, and it takes a lot of time, as people nowadays prefer a home in a society. Yet, after putting in some efforts, you will be able to sell the house.




In an apartment, maintenance and the costs associated with it are not much of a burden as you will just have to pay the amount and the rest will be taken care of, quite swiftly. However, more often than not, the costs are high for maintenance.

Whereas, an independent house will require more maintenance and accordingly, the cost will be higher. Even though there might be an association to look after such things, yet, it would not be as quick as in a society.

Research is very important when it comes to investing in property, and therefore, you must keep in mind your requirements, research about your options, and pick the one which will be most suitable for you, be it an apartment, or a house.


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