Comparison
Ready-to-Move vs Under Construction: Which is Better?
Ready-to-move gives certainty. Under-construction gives price advantage. Here's how to choose in 2026.
Price
Under-construction is 10–20% cheaper than ready-to-move in the same micro-market. Discount narrows in the last 6 months before OC.
Risk
Under-construction: delivery delay, spec change, developer default. Ready-to-move: none of the above.
GST
Under-construction attracts 5% GST (1% for affordable). Ready-to-move (with OC) attracts zero GST — a big saving.
Home loan
Pre-EMI on under-construction can go on for 3–4 years and is not fully tax-deductible until possession.
Investment returns
If the developer is A-grade and the corridor is under-priced, under-construction can deliver 15–20% higher IRR. In an uncertain market, ready-to-move wins on risk-adjusted return.
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