Ready-to-Customize 3 BHK Apartment at Suraksha Springs

Published: 17 August 2026 | Updated on: 21 August 2026 | By L K Monu Borkala, CEO & Founder, OneCity Property — 15 years of property consultancy experience and over 20 years in marketing and management at OneCity Technologies Pvt. Ltd.

This 1,435 sqft east-facing 3 BHK apartment is on the 4th floor of Suraksha Springs. It comes with raw interiors, giving you the freedom to design and finish the home to your own requirements, and includes two bathrooms and one covered car park. The property is held by a single owner with the occupancy certificate received. A Bajaj loan of Rs 86 lakh is currently outstanding and must be accounted for in the transaction, and the expected selling price is Rs 1.62 Cr.

Property Highlights:

• Project: Suraksha Springs
• Flat Number: 434
• Configuration: 3 BHK
• Area: 1,435 Sq. Ft.
• Floor: 4th Floor
• Facing: East
• Bathrooms: 2
• Interiors: Raw / Customizable
• Parking: 1 Covered Car Park
• Ownership: Single Owner
• Occupancy Certificate: Received
• Registration: Not Registered
• Pending Loan: Rs 86 Lakh (Bajaj)
• Expected Price: Rs 1.62 Cr
• Ideal For: End-Use Buyers Who Want to Customize Interiors

What raw interiors mean for you

Raw interiors mean the flat is handed over as a finished shell rather than a fitted home, so you design the flooring, kitchen, wardrobes and fittings yourself. The advantage is a home built to your taste and no paying for someone else's choices; the trade-off is that you should budget separately for the fit-out and factor in the time to complete it before moving in. Get a couple of interior quotes for a 1,435 sqft flat early, so your total cost is clear before you commit rather than after.

Occupancy certificate received: why it matters

The occupancy certificate (OC) is a meaningful positive here. An OC confirms the building was completed per the sanctioned plan and is legally fit to occupy, which protects you and keeps home-loan and resale options open. If you want the distinction from a completion certificate, our guide on the occupancy certificate versus completion certificate explains it. Ask to see the OC copy and match it to the flat and tower.

The pending loan and unregistered status, explained

Two items in this listing need the right handling, and neither is unusual. First, the flat carries a pending Rs 86 lakh Bajaj loan. In a standard resale, the outstanding loan is closed from the sale consideration: your funds or your bank pay off the seller's lender, the lender issues a loan-closure letter and no-objection certificate and releases the original title documents, and only then does the balance go to the seller. Second, the flat is described as not registered, so confirm exactly what is pending, factor in stamp duty and registration on the sale, and ensure a fresh encumbrance certificate reflects the loan being cleared before you complete. Handled in the right order, with legal help, both are routine. Our note on resale versus new launch is useful context for buying a resale like this.

Reading the Rs 1.62 Cr price

At Rs 1.62 Cr for 1,435 sqft, the flat works out to roughly Rs 11,300 per sqft on the quoted area, before you add the interior fit-out and registration costs. Whether that is competitive depends on the locality, the building's age and amenities, and recent resales in Suraksha Springs, so gather those comparables. Because the interiors are raw, always read the price alongside the fit-out you will need, so you are comparing like with like against ready-to-move flats.

Living on the 4th floor

A 4th-floor, east-facing flat generally brings good morning light and a reasonable outlook, and lift dependence is worth a practical check: confirm the number of lifts, power-backup arrangements and maintenance standards in the building. Our note on choosing high-rise apartments in Bangalore covers the checks that matter for apartment living.

Legal checks before you buy

Confirm the khata is current, ideally the digital e-Khata, in the seller's name. Verify the OC, the pending-loan closure path, and the registration status together, and budget for stamp duty and registration using our guide to apartment registration charges. If this is your first purchase, our first-time home buyer checklist will keep the steps in order.

Who this suits

This fits an end-user who wants to design their own interiors and is comfortable managing a resale that involves closing an existing loan and completing registration. It is less suited to a buyer who wants a fully finished, move-in-tomorrow home with no transaction complexity.

Due-diligence checklist

• Occupancy certificate copy, matched to the flat and tower
• Current khata / e-Khata in the seller's name
• Pending Rs 86 lakh loan closure path, with lender NOC and document release
• Registration status clarified, with stamp duty and registration budgeted
• Fresh encumbrance certificate reflecting the cleared loan before completion
• Separate interior fit-out quotes for the raw flat

Frequently asked questions

What does "raw interiors" mean here?

The flat is handed over as a finished shell, so you design the flooring, kitchen, wardrobes and fittings yourself. Budget separately for the fit-out and the time to complete it.

What is the price?

The expected price is Rs 1.62 Cr for 1,435 sqft, roughly Rs 11,300 per sqft before interiors and registration. Compare it against recent resales in the project.

Is the occupancy certificate available?

Yes, the OC has been received, which confirms the building is legally fit to occupy. Ask to see the copy and match it to the flat and tower.

How is the pending Rs 86 lakh loan handled?

In a standard resale the outstanding loan is closed from the sale amount: your funds or bank pay off the lender, the lender issues an NOC and releases the documents, then the balance goes to the seller. Do this with legal help.

The flat is not registered — is that a problem?

It means you should confirm what is pending, budget stamp duty and registration, and ensure a fresh encumbrance certificate reflects the cleared loan before completing. Handled in the right order it is routine.

Property details are as shared by the owner or seller and should be independently verified before purchase. Price, dimensions, khata status, loan and registration status and approvals are indicative and subject to confirmation from the original documents. OneCity Property acts as an advisory and is not the statutory authority for any approval.