By Manjunath Vendan, Correspondent at Homes India

Ready-to-Move vs Under-Construction Homes: What's Better?

Choosing between ready-to-move homes in India and under-construction flats in India is one of the most important decisions for homebuyers and investors across the country.

With India’s real estate market evolving rapidly in 2025, understanding the differences between these two options is critical for making a smart property purchase. Ready-to-move apartments offer immediate possession, allowing buyers to shift in right away or start earning rental income, while also providing fully developed infrastructure and transparency in construction quality.

Under-Construction (UC) Flats in India

Advantages

Lower Initial Cost: Under-construction flats in India are typically priced 20–30 percent lower than RTM homes, making them affordable apartments in India.

Flexible Payment Plans: Developers often provide staggered payment plans, easing financial strain during construction.

Customization Opportunities: Early buyers can select finishes or layouts, creating customizable flats in India.

Potential Appreciation: Property values in developing areas can rise during construction, ensuring high returns on property investment in India.

Tax Benefits: Home loans for UC properties offer tax deductions on both principal and interest under Section 80C and 24(b).

Disadvantages

Construction Risks: Delays or cost overruns can affect possession timelines.

GST Applicability: UC properties attract GST, adding to the cost.

Limited Immediate Returns: Rental income begins only after possession.

Developing Neighborhoods: Amenities may still be under construction.

Also Read: Why This Festive Season Is Prime Time to Buy Property?

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