Under-Construction vs. Ready-to-Move-In Apartments: Which is Better for You?

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UNDERSTOOD

Under-Construction vs. Ready-to-Move-In Apartments: Which is Better for You?

by | Jul 4, 2025

Choosing between under-construction and ready-to-move apartments - MAIA Estate

The debate between under-construction and ready-to-move-in apartments is quite extensive, with many people considering the unique factors that set each option apart. Since there are many factors associated with each of the options, there are certain advantages and disadvantages according to the perspective of the interested property buyer. 

While both of the options serve the same purpose, distinctness in possession timelines and the scope for customization may shape buyer preference. To break down the factors, we at MAIA Estates have come up with this comprehensive blog, which will not only help you comprehend their actual pros and cons but also some key expert tips. If you are planning to buy an apartment in Bangalore or in any metro city, all these valuable insights will help you to make an informed decision. So, make sure that you go through this blog without skipping any sections. 

Unlocking: Under-Construction Properties with Pros and Cons

In case of under-construction projects in Bangalore and other metro cities, a buyer pays the amount to the builder in multiple stages of the construction. At first, the booking charges are cleared by the buyer. This is followed by the payments in multiple tranches as per the agreement with the developer/builder. 

Let’s delve into the pros and cons of this type of property: –
Advantages

  • Most ongoing construction projects, especially crafted by the top property developers in Bangalore, like MAIA Estates, abide by the Real Estate Regulatory Authority (RERA), which ensures compliance according to market and safety levels.
  • Almost all ongoing residential projects are equipped with state-of-the-art amenities that suffice the futuristic needs. For instance, our upcoming 27 Summit project in Richmond Road, Bangalore, is equipped with unmatched facilities and luxury.
  • Versatile payment options render it easy for buyers to invest.
  • Buyers might have the option to customize features like- interior designs, floor plans, etc, making them feel valued as their voices are heard.
  • Buyers can expect a substantial rise in the property valuation at the moment of its sale.

Disadvantages

  • Buyers can’t move in immediately — they have to wait until the project is completed, which can sometimes take several years. That’s not the case with MAIA Estates. We deliver large-scale luxury projects within approximately three years
  • Constructional delays can hamper the buyer’s plan. Long waiting times (time-consuming handover) could be a concern when it comes to buying this type of residential property.
    Top property developers in Bangalore offer a minimal waiting period in terms of handover with thorough hand-holding in the process.
  • Sometimes, average developers face legal hindrances or financial issues which may render the project to terminate in between. So, the uncertainty factor remains if you are not dealing with reliable developers.
  • Questionable developers may charge buyers unnecessarily under the guise of development fees or surge maintenance fees, post a project completion. So, buyers have to be aware of hidden costs.
  • This type of property can’t avoid GST charges and is accompanied by stamp duty and registration amounts as well.

Unlocking: Ready-to-move Property with Pros and Cons

Ready to move in apartments in Bangalore and other metro cities in India offer you transparency during the deal. But the most formidable part is the financial preparation that it takes to invest. The reason being- EMIs and home loan interests commence instantly. 

On the other hand, the buyer also saves a significant amount on taxes and rents as compared to the under-construction property. Let’s take a brief look at the pros and cons of the same-

Advantages

  • In this type of property, buyers can expect immediate possession, thereby eliminating any risks associated with long waiting periods.
  • Investors can avail instant rental income through these properties.
  • In-person checks can be done where buyers can take a look at the property and premises prior to investing in it.
  • No GST is applicable
  • The market value of this kind of property is predictable and remains stable, eliminating the fluctuations caused by real estate market conditions.

Disadvantages

  • The restricted scope of personalization as buyers are not allowed to modify, redesign the interiors without permission or additional costs.
  • Buyers might run into risks as properties registered before 1st May 2016 do not fall under the purview of RERA compliance.
  • Lower or slower appreciation value is experienced in these properties as compared to the under-construction properties.
  • No scope for detailed quality checks as internal pipeline corrosion or faulty wiring might cause trouble in the near future.
  • Compared to under-construction properties, buyers don’t have options for flexible payment plans.

Expert Tips to Consider Before Buying an Apartment in 2025:

  • Conduct a thorough due diligence regarding RERA registration, past project delivery, and financial stability.
  • Assess the location of the project. It should have considerable amenities like hospitals, schools, shopping complexes, etc nearby.
  • Consult experts for end-to-end guidance. If you are planning to buy luxury apartments in Bangalore, feel free to call us anytime.
  • Strategize your finances at an early stage. This should include GST charges and all other relevant costs.
  • Go for properties which are future-proof, i.e., retain their value over time and offer sufficient space for your growing family. It should also incorporate sustainable features, similar to those seen in MAIA Estate developments — such as the use of solar energy, smart home systems, eco-friendly materials, and more

Conclusion

Now that you know the pros and cons of both property types, it is up to you to decide which one to go for. Consider your choice based on factors like- your financial situation, timeline you have in hand,risk that you can tolerate, location and valuation of property, and the reputation of the developer. Once you’ve considered these factors, you’ll be better prepared to invest with a clear picture of what lies ahead.

At MAIA Estates, we value our clients’ opinions and keep their preferences at our core operations. From ultra-luxury features to unmatched sustainable offerings, our developments like Pelican Grove in Jakkur, Bangalore stand as a testament to the future of real estate in the Silicon Valley of India.

To know more about our upcoming projects or apartments for sale, reach out to us today.