Company Real Estate: Under Construction vs Ready-to-Move Homes
It has become much more important to be aware of all costs associated with establishing your living situation, whether it is purchasing a home or renting, due to high interest rates (approximately 8.5-9.5%) as well as increased prices for homes and other real estate properties. Let’s talk about Company Real Estate Insights and why it matters.
Under Construction vs Ready-to-Move Homes
In the case of ready-to-move-in home
You get to see and feel the place where you will be potentially living. Everything is in front of you, including the facilities, features, amenities, interiors, layout, etc. You also get to see the construction quality. The chance of discrepancy is also negligible since the buyer gets to inspect everything. On the financial front, there is price transparency. The best part you get to move in immediately and start living after completing the required formalities.
In the case of an under-construction home
Under-construction properties tend to be less expensive as compared to ready-to-move-in ones, with flexible payment options and plans. This makes them easy on your pocket. With such properties coming under RERA, you get the associated benefits like on-time delivery and transparency in the process. More choice in terms of the units, customization in layout, design, and interiors. Due to the time gap, one gets between buying and selling an under-construction property, it proves to be a good investment option as the prices tend to increase with time.
Market Risks :
Ready-to-move-in home
Talking about the flip side, the scope for space and other customization is less. Ready-to-move-in flats tend to cost more than the under-construction ones.
Under-construction home
The flip side is that there is a Little risk that the builder could default. After RERA, the chances are less, but you might have to bear losses due to things like project delays and possession delays.
Company Real Estate Tip: Rent vs EMI
Many buyers are often at a stage where they are paying rent as well as pre-EMI is due to the construction period, and it is financially very draining.
According to the CNBC Report, “A ready-to-move buyer starts claiming tax benefits immediately and eliminates rent from the first day. Over five years, this can translate into ₹5-7.5 lakh in cumulative savings,” .
GST and Tax Benefits: What Company Real Estate Experts Say
According to the CNBC Report, the GST continues to be a deciding factor. Under-construction homes attract 5% GST (1% for affordable housing) without input credit, while ready-to-move homes are exempt.
This alone can reduce the effective cost gap by another 5-7%.
“Pre-EMI interest on under-construction homes can only be claimed in five equal installments after possession, delaying the benefit. “By contrast, RTM buyers can claim the full ₹1.5 lakh under Section 80C and ₹2 lakh under Section 24(b) from Year 1, improving short-term liquidity.”
Company Real Estate Trends in 2025
The real estate market or Property market of India is growing very fast in this field. Real estate project developers mainly focus on quicker delivery, transparent pricing, and better amenities to attract investors and high-end users.
In Metro cities like Noida, Delhi, and Gurgaon, all the ready-to-move homes are in demand among home buyers because they can start using these properties immediately and can use them for Return On Investment (ROI) too. However, Greater Noida West and Sohna Road, which are emerging corridors, will remain popular in this list for investors seeking High capital growth.
FREQUENTLY ASKED QUESTIONS
Q: Which is better, an under-construction home or a ready-to-move home?
A: Ready-to-move homes offer instant use, while under-construction homes suit long-term investors.
Q. Are under-construction homes cheaper?
A: Yes, under-construction homes usually come at a lower entry price.
Q. Do under-construction homes offer better appreciation?
A: They can appreciate more as the project progresses.
Q. Why do buyers choose under-construction homes?
A: Buyers choose them for flexible payment plans and lower initial cost.
Q: What do company real estate experts recommend?
A: Company real estate experts suggest ready-to-move homes for end-users and under-construction projects for long-term investors.
Final Thoughts :
It depends on your preference whether you want to invest in an under-construction home or a ready-to-move-in home.
If you want and value immediate possession, you can go for a ready-to-move property.
On the other hand, if you prefer luxury with new infrastructure and modern amenities, and you are getting all this for your investment, you can invest in under-construction homes.
Where should you make your precious investment? Will you get returns or not? This is a very difficult decision, and consulting companies like BOP.in can help you find the best investment for you.
