The Indian real estate landscape offers a wide range of options for homebuyers and investors.

One of the most common dilemmas is choosing between a Ready-to-Move (RTM) property and
an Under-Construction (UC) property. Each has its own advantages and limitations, and the
right choice depends on your goals, timeline, and risk appetite.

In this blog, we’ll provide a clear, comparative guide to help you make a confident, informed
decision.

Understanding the Two Property Types

Ready-to-Move Property

A ready-to-move property is fully constructed and available for immediate possession. Buyers
can visit the site, evaluate the quality, and move in as soon as the paperwork is completed.

Under-Construction Property
An under-construction property is still being developed. These properties are usually offered at
earlier stages of construction and are handed over after a few months or years, depending on the
project timeline.

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Benefits of Ready-to-Move Properties

• Immediate Possession: No waiting period. Ideal for buyers who need housing right away.
• No GST: Buyers save on the 5% Goods and Services Tax, which applies only to underconstruction properties.
• See What You Buy: You can inspect the actual unit, layout, amenities, and neighborhood before purchase.
• No Rental Overlap: You can stop paying rent immediately by shifting into your own home.
• Legal Clarity: Most RTM properties have already obtained completion and occupancy certificates.

Drawbacks:

• Higher Cost: Ready homes are usually more expensive per square foot than underconstruction options.
• Limited Customization: Interiors, fittings, and layout changes are difficult postcompletion.
• Lower Inventory: Fewer unit choices, especially in high-demand areas.

Benefits of Under-Construction Properties

• Lower Entry Cost: Prices are generally 10-20% lower than similar ready units in the same location.
• Flexible Payment Plans: Options like construction-linked or milestone-based payments
  reduce upfront burden.
• More Choices: Greater flexibility in selecting floors, views, units, or layouts.
• Appreciation Potential: High potential for capital gains by the time of possession.
• Customization: Easier to incorporate minor design changes or personal preferences
  during construction.

Drawbacks:

• Possession Delays: Project delays are common due to regulatory approvals, funding
  issues, or construction backlogs.
• GST Applicable: 5% GST is charged on the base cost.
• Uncertainty in Final Output: Construction quality and final delivery might not always
  match brochures or promises.
• Developer Risk: Choosing an unreliable builder increases the risk of non-completion.

Ready-to-Move vs Under-Construction: Comparison Table

Which One Should You Choose?

Go for Ready-to-Move if:

• You are looking to shift immediately.
• You want to avoid construction delays and uncertainty.
• You prefer to inspect the exact unit before purchase.

Choose Under-Construction if:

• You are investing for future use or appreciation.
• You want to take advantage of lower prices.
• You are comfortable with a longer timeline and moderate risk.