Which is the better investment

Risk is a crucial differentiator. Under-construction projects may face delays, legal complications, hidden costs, or quality concerns if due diligence is not performed. Buyers must verify approvals, RERA registration, and financial commitments before investing. Ready-to-move homes minimise such uncertainties because the structure is complete and ownership clarity is higher, making them comparatively safer.

There is no universal winner in the ready-to-move versus under-construction debate. While on one hand, the latter works best for buyers who desire a sense of security, timely possession, a rebate on GST, and a steady source of returns, on the other, the former is a better fit for long-term investors who look to benefit from a lower cost of purchase and customisation of the property. The choice between the two options will ultimately depend on the individual buyer’s needs and priorities. A critical evaluation of the potential buyer’s financial capacity and the need for legal protection will ensure that the house bought becomes a worthwhile investment.

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