Under Construction vs Ready to Move

Key differences

Pros, cons, and financial implications of buying under-construction vs ready-to-move properties.

Under construction advantages

Lower price (10–25% less than ready), payment linked to construction stages, potential for appreciation before possession.

• Lower entry price
• Staggered payment plan
• New construction, latest amenities
• GST applicable (but offset by lower price)

Ready to move advantages

Immediate possession, no GST, what-you-see-is-what-you-get, no construction risk, rental income from day 1.

• No GST (saves 5%)
• Zero construction risk
• Immediate possession
• Loan disbursement easier