Guides · Before you buy
Before you buy · 4 min readReady-to-Move vs Under-Construction
Reviewed against MahaRERA rules · Informational, not legal advice
The short version: Under-construction is cheaper but carries delay risk and GST; ready-to-move costs more but you see exactly what you're buying. Here's how to weigh the two.
Under-construction
Lower price and a construction-linked payment plan — but you're buying on plans and trust. You take on delay risk, and you pay GST (5%, or 1% for affordable housing).
Ready-to-move (OC received)
You see the actual flat, move in immediately, pay no GST, and carry no delay risk. The trade-off is a higher price and less room to change the plan.
Either way, verify the RERA status, title and the builder's record — and for a “ready” flat, insist on the Occupancy Certificate.
What to watch for
- “Ready” flats that don't actually have an Occupancy Certificate.
- “Possession in 3 months” on an under-construction flat that keeps slipping.
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This guide is general information to help you ask better questions — it is not legal advice, and it doesn't replace your own advocate or the official MahaRERA portal. Rules, rates and builder practices vary; always verify against the current MahaRERA record and your project's documents before acting.