Under Construction vs Ready-to-Move Homes: 2025 Guide

Save up to Rs 50 lakhs or buy today? This is the most important factor to consider when it comes to choosing between under construction vs ready homes. Both can lead you to homeownership. But which will meet your goals and budget? This guide helps you make sense of the confusion by examining the risks, benefits, and cost-savings that may affect everything.

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1. Understanding the Basics

Under-construction homes - Homes that are still being constructed. You pay in stages as the work is completed.

Ready-to-move-in homes - Properties that are completed. Move in right after purchase.

Investors prefer under-construction to lower costs and greater growth. Home buyers prefer homes that are ready to ensure peace of mind and quick occupancy.

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2. Price Difference – The First Big Factor

Under-construction homes cost less. Developers offer discounts for early-bird buyers and flexible payment plans to draw buyers.

Homes that are ready to move in command of premium prices. You pay more to get convenience, instant possession, and security.

Your timeline matters. Investors with a 2-4 year timeframe can sit and wait for an increase in the area they are investing in, but have to contend with market risks and delays. Homebuyers who want to move in immediately can benefit from properties that are ready for purchase.

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3. Risk of Delays – What You Should Know

Delays happen. Homes that are under construction face risk due to labor shortages, material shortages and delays in regulatory processes, as well as financial difficulties for builders.

Ready homes eliminate this doubt. You can inspect the exact location the view, layout and other amenities prior to committing.

Be safe. Check the developer's RERA registration as well as delivery record. Rely on developers such as Sonawane Group who guarantee transparency quality, speedy completion.

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4. Benefits of Ready Possession Homes

The advantages of ready possession are the main reason why buyers are opting for this route in 2025.

Instant occupancy: There is no time limit to move in immediately after having completed the purchase.

Rent burden not a problem If you're currently renting, having a home will save you from having to pay rent and EMI simultaneously.

The property you view is the one you will get You can look over the property, its amenities and the surrounding area before deciding.

No construction risk. There is no fear of unfinished projects or delays.

Instant income: If you are planning to lease it out, the revenue will start immediately.

For instance, if you're searching for a 1 BHK in Kalyan East, developments like Krishna Trident by Sonawane Group offer well-designed homes with modern amenitiesideal for both investing and living.

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5. Advantages of Under-Construction Homes

Despite the risk, under-construction homes are attractive, particularly for younger buyers and investors seeking affordability and growth potential. When comparing under construction vs ready homes, this is an important consideration.

Here's why:

• Lower initial investment cost: The initial cost is lower, as are the payment times are flexible.
• Possibility of appreciation When construction is complete, the property value will usually increase, bringing huge returns.
• Customization: Often, you can request small layout or design modifications during construction.
• Modern features New projects tend to incorporate the latest designs, sustainable measures and smart home technology.

If you purchase from a trusted developer like Sonawane Group, your risk of issues with quality or delays greatly decreases.

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6. Legal and Financial Considerations

For Under-Construction Homes, Verify:

• RERA registration number (mandatory)
• Clear land titles, no dispute
• All NOCs: Environmental, Fire, Building Plan approval
• Commencement Certificate
• Escrow account information (70 percent of funds have to be transferred here in accordance with RERA)
• Builder's track record and prior timelines for delivery of projects
• The payment schedule is aligned to construction milestones

For Ready-to-Move Homes, Verify:

• Occupancy Certificate (OC) - MOST IMPORTANT
• Completion Certificate (CC)
• Tax receipts for property tax paid
• Maintenance dues clearance
• There are no litigations pending regarding the property
• Encumbrance Certificate (EC) to clear title
• Status of formation of a society (if applicable)
• Utility connections: Electricity, water, NOCs for gas

In terms of financials, home loan repayments for homes that are under construction take place in stages, whereas for homes that are ready to be built the loan is disbursed in one lump sum.

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7. Tax Benefits

Both options are eligible for tax deductions from home loans The structure and timing differs significantly.

For Under-Construction Homes:

• Principal (Section 80C): The property can be claimed only upon possession (up to Rs 1.5 lakhs per year)
• Interest (Section 24b): Pre-construction interest is claimed in 5 equal installments following possession (up to Rs 2 lakhs per year)
• Important: Interest accrued during construction is not lost; it is claimed over 5 years following possession

For Ready-to-Move Homes:

• Both interest and principal deductions are obtainable as soon as the year in which you purchased the item.
• Interest deduction is available up to Rs2 lakhs per year under Section 24b.

This is another reason why ready homes have an advantage over hand for those who want immediate tax advantages.

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8. GST & Registration Charges

Knowing the GST implications is vital when deciding on a purchase.

Under-Construction Homes:

• GST applicable tax rate: 1% for affordable housing (carpet area up to 60 sq meters in metro cities OR 90 sq meters in non-metro cities, with property value up to Rs 45 lakhs)
• GST 5% for all other residential properties (without ITC)
• Stamp duty: 5% (female buyers) or 6% (male buyers) in Maharashtra including metro cess
• Registration: 1%

Ready-to-Move Homes:

• No GST if the Occupancy Certificate (OC) is issued
• Stamp duty only (5–6%) and registration fees (1%) apply
• This could save around 1% of the property's cost compared to under-construction properties

Note 1 BHK in Kalyan East, please check with Sonawane Group for current GST applicable to their ready projects.

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9. Home Loan Interest Rate Differences

In 2025, lenders typically have different rates depending on the property's status:

• Homes under construction: 0.25–0.50% higher interest rate during the construction phase
• Move-in-ready homes: Normal rates (currently starting from 7.35–9% for the majority of borrowers)

For properties that are under construction there is a possibility that you will need to pay EMI on the amount you have disbursed or pre-EMI (interest-only) during construction, which could strain your financial resources if you're paying rent at the same time.

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10. Lifestyle & Convenience

When you purchase a home it's not just about investing; it's also about living a lifestyle.

Ready homes give you immediate access to your neighborhood, facilities and the community. You can test the living environment before you make a decision.

Homes under construction, however, could be found in areas where infrastructure is developing. While it could take a while for the area to develop but it could be a desirable location in the near future, and bring higher returns.

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11. Which One Should You Choose in 2025?

Here's a detailed comparison to help you decide:

Factors	Under Construction Homes	Ready to Move Homes
Price	Usually cheaper	Slightly expensive
Possession	After completion	Immediate
Risk	Possible construction delay	Minimal
Customisation	Possible during build	Not possible
Appreciation	High possibilities	Moderate
Rental returns	Only after possession	Immediate
Tax benefits	After possession	Immediate
GST Impact	1–5% additional cost	No GST
Interest rates	0.25–0.50% higher	Standard rates

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12. The Smart Move

If you're buying the property solely for investment purposes and can put off buying for a while or so, a home that is under construction in a booming area may provide a substantial return.

But if you're planning move in the near future or need assurance, a move-in-ready home is the more secure and practical option.

For instance, if looking for comfort, convenience and quality that you can trust, Krishna Trident - 1 BHK in Kalyan East by Sonawane Group offers ready homes that satisfy every criteria -design, location and affordability, as well as lifestyle.

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Conclusion

In 2025 the under construction vs. ready homes debate will continue and the best choice is dependent on your needs.

Whichever you decide to purchase, ensure that you purchase from a reputable developer who is committed to quality and transparency. With reputable names like Sonawane Group, your dream of owning the perfect 1 BHK home in Kalyan East is now easier and safer.

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Frequently Asked Question