Both options have a place in a smart buyer's plan. The right choice depends on your budget, timeline and risk tolerance.
Under-construction
- Pros: lower entry price, construction-linked payments, choice of floor and facing, potential appreciation by possession.
- Cons: possession risk, you may pay rent and EMI together, and GST applies at 5% (1% for affordable housing).
Ready-to-move
- Pros: see exactly what you buy, no GST on completed property with an Occupancy Certificate, immediate possession or rental income.
- Cons: higher price and less choice of unit.
Our advice
If you need a home now, buy ready-to-move. If you can wait two to three years and want flexibility, an under-construction project from a RERA-registered, track-record developer can be the smarter financial choice. Either way, ask for the Occupancy Certificate or RERA progress report before you commit.
Last updated: 19 Sep 2026
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