Under Construction vs Ready to Move-In Homes- Which One Is Better in 2025?
If you're planning to buy property in 2025, you're likely stuck between two tempting options: an under-construction home that promises modern features at a competitive price, or a ready-to-move-in apartment that you can literally walk into tomorrow. Both have clear pros and cons, but which one is better for you ? Let’s break it down based on today’s market realities, regulations, and investment returns. 1. Price Advantage: Under-Construction Wins In most Indian cities, under-construction homes are 10-20% cheaper than their ready-to-move-in counterparts in the same locality. Builders offer better pre-launch pricing, staggered payment plans, and early-bird benefits. But cheaper isn’t always better- delivery timelines and market cycles can shift in a few years, impacting your ROI or end-use plans. 2. Tax Benefits: Available for Both, but Timing Matters Both options offer tax benefits under sections 80C and 24(b) for principal and interest payments. But here’s the catc...