Apartment or Builder floor: The Great Property Dilemma

Buying a house can be a painstaking task for a lot of people. This is especially true in today’s modern age when there are so many options available. Above all, the biggest challenge can be choosing between an apartment and a builder floor. By the end of this article, you will have a clear idea of both these types of housing units. Matching the features of both these dwellings with your preferences can help with making an informed decision.

What is a builder floor?

An example of a residential building in Gurgaon having 4 independent builder floors on G+4 structure wherein Ground floor has stilt parking and residential units on the 4 floors above it.

A builder floor is an independent dwelling that is a part of a low rise building. Such buildings are located in a residential block comprising of plots and bungalows/kothis. Usually, these floors are built by independent and small scale developers on a G+4 structure. In other words, Stilt parking at the ground level with four floors above the ground/stilt level.

Dlf Magnolias, a luxury apartment complex in Gurgaon.

An apartment is a dwelling located in a complex comprising one or many high-rise structures. There can be multiple units of varying sizes located in these structures. The apartment owners have non-exclusive access to the common areas of the complex like parks, club, gymnasium, swimming pool, etc

Both types of units have their own merits and demerits. Dig a little deeper to find out what helps in choosing between a builder floor or apartment.

Advantages of living in an apartment:

  • Security of living, usually multi-tiered.
  • Access to communal facilities which add to socialising like Gym, Swimming pool, Sports facilities, Club, etc.
  • Easy and multiple parking for self as well as visitors.
  • Access to retail market services like supermarket, salon, doctor, banks either inside the complex or in close vicinity.
  • Power backup.
  • Elevator access to all floors.

Disadvantages of living in an apartment:

  • The burden of monthly Common Area Maintenance (CAM) charges. This accrues from maintenance of common areas and services like Elevator, grounds, Lobby areas, Clubhouse and its facilities, etc.
  • There are certain restrictions in an apartment complex like late-night gatherings, visitor access, etc.
  • High level of loading- Carpet area (The actual usable area) is significantly less than the Super Area. Super Area means Carpet area + proportionate share of Common area
  • A high risk especially on higher floors due to natural calamities and other disasters like earthquakes, fires, etc.

Advantages of living in a builder floor:

  • Greater freedom due to only 3–4 families residing in a low-rise building.
  • No compulsory CAM charges or negligible maintenance charges. Simply because common services and areas are much smaller than in an apartment complex.
  • Virtually no loading due to lack of any sizeable common area. In other words, Carpet area/ Usable area is almost the same as Super area.
  • Low risk concerning disasters like earthquakes, fires, etc.

Disadvantages of living in a builder floor:

  • Lack of security in comparison to an apartment complex.
  • Lack of facilities like Gymnasium, Clubhouse, Swimming pool, etc.
  • Restriction on no of cars that can be parked safely inside as well as outside the building. This can be cumbersome when one has visitors or in the case of a social gathering.
  • Reliance on traditional markets and malls for essentials like groceries, salons, banks, etc
  • Power backup might be an issue in some areas.

The Game Changer- Builder floor projects

Looking at people’s increased preference to buy low rise condominiums a lot of developers have launched builder floor projects. These projects combine the benefits of an apartment complex with the flexibility of living in a low rise builder-floor. Here, floors are part of a low rise dwelling and multiple such dwellings combine to form a project/community.

Advantages of builder floor projects/ communities:

  • Low rise dwellings offer ease, flexibility and freedom of living in a regular builder floor
  • Low risk concerning natural calamities.
  • Access to communal facilities like a regular apartment complex such as Gym, Clubhouse, Swimming pool, etc
  • Socialising advantages due to multiple families living together like in any project/community.
  • In most cases, these floors are sold like regular floors only and offer minimal or virtually no loading.
  • Multi-tiered security and power backup like other projects/communities.
  • Access to services such as banks, supermarkets, grocery stores, etc. Most builders dedicate a certain area for commercial markets in large scale projects as per government norms.

Disadvantages of builder floor projects:

  • Monthly maintenance charges arising from communal features like clubhouse and security. Although it is not as high as in the case of high rise apartment complexes.
  • Less freedom and certain restrictions like in a regular society/complex due to multiple families living together in a complex.

Consider an example.

An individual with a budget of Rs. 3,00,00,000 (Three crores) looking to buy an apartment/builder floor in Gurgaon could consider either of the following-

  • Buy a 2000-2400 square feet builder floor in areas like DLF Phase 1, DLF Phase 2 and Sushant Lok- 1. The price would go down if you consider less expensive areas such as Golf course extension road and Sohna road.
  • You can get a 3 BHK apartment in a project on Golf course road like DLF Park Place.
  • Alternatively, consider buying a larger apartment (4 BHK) in newer areas like Golf course extension road and Dwarka Expressway. M3M Golf Estate, Ireo Victory Valley and Emaar The Palm Drive are some of the successful projects in these locations.
  • You can buy a 180–250 square yard independent bungalow/ villa in some HUDA sector or a private colony.
  • A builder floor project offers the best of both worlds. Some of the offerings are Brahma Adani in Gurugram, M3M Smartworld, Emaar Emerald Hills. Here, floors are priced between Rs. 1,30,00,000 and Rs. 2,00,00,000 for a 3 BHK unit. Likewise, a 4 BHK floor in these projects would fall just under the Rs. 3,00,00,000 bracket.


So here we are, detailing the merits and demerits of both apartment and builder floor. In conclusion, the final decision for buying a house is based on your preferences and lifestyle choices. If you value independence and control the most, you are more likely to choose a builder floor. On the other hand, an apartment is an ideal choice if you value socialising and security more.

Lastly, if you are interested in buying an apartment or a builder floor in Gurgaon, Delhi or Faridabad feel free to get in touch with me at +919910020042 or royalhometech@gmail.com. I would be glad to help you in finding a real good deal. (pun-intended)

What do you prefer? High rise apartment with an expansive view or a luxurious builder floor with greater privacy and control. Do let me know your thoughts in the comments below. And if you enjoyed reading this post, please do share it with your family and friends.

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