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Under Construction vs. Ready to Move: Where to Invest in Gurugram (2026)?
It is the classic real estate dilemma: Should you buy a home that you can see and touch today, or invest in a promise for tomorrow?
In the booming Gurugram real estate market, this decision is trickier than ever. On one hand, Ready-to-Move (RTM) homes offer safety and zero waiting period. On the other hand, Under-Construction (UC) projects in areas like Dwarka Expressway offer massive price appreciation potential.
At HKey Realtors, we analyze thousands of transactions. Here is the honest breakdown of Under Construction vs. Ready to Move to help you decide where to put your hard-earned money in 2026.
1. Ready-to-Move Homes: The “Safe & Secure” Bet
For end-users (people who want to live in the house), this is often the preferred choice.
- The Biggest Pro: NO GST.
This is a massive financial saving. Under the current tax laws, if a project has received its Completion Certificate (CC), it is exempt from GST. You save a flat 5% on the property cost.
- Immediate Gratification: You stop paying rent immediately. The “Rent + EMI” double burden is eliminated.
- What You See Is What You Get: No surprises regarding the view, room size, or ventilation. You inspect the actual unit before signing the cheque.
2. Under-Construction Properties: The “Wealth Creator”
For investors looking to multiply their capital, this is the golden ticket.
- Lower Entry Price: These properties are typically priced 15% to 30% lower than ready homes in the same locality.
- Capital Appreciation: As the building rises, so does the price. By the time you get possession in 3-4 years, your asset value could have appreciated significantly (especially in developing belts like SPR or New Gurgaon).
- Payment Flexibility: You don’t need to pay the full amount upfront. With Construction-Linked Plans (CLP), you pay in small chunks (e.g., 10% now, 10% when the 5th floor is built).
3. The Comparison: Financial Breakdown
| Feature | Ready-to-Move (RTM) | Under-Construction (UC) |
| GST Impact | 0% (Exempt) | 5% Tax Applicable |
| Price Point | Premium (High) | Affordable (Low) |
| Risk Factor | Zero (Project is complete) | Moderate (Delays possible) |
| Payment | 100% Upfront (via Loan) | Staggered (pay as they build) |
| ROI Type | Immediate Rental Income | Capital Appreciation (Growth) |
4. HKey Verdict: Who Should Buy What?
Choose Ready-to-Move IF:
- You are paying high rent currently and want to shift immediately.
- You are risk-averse and want to avoid construction delays.
- You are looking for immediate rental income from your investment.
Choose Under-Construction IF:
- You are an investor looking for high returns (ROI) over 3-5 years.
- You don’t have the full lump-sum amount right now and prefer a flexible payment plan.
- You want a brand-new inventory with the latest amenities (modern clubhouses, smart homes) which older RTM societies might lack.
Still Undecided?
The right choice depends on your financial goal. Let our experts calculate the ROI for you.
Contact HKey Realtors at info@hkey.in for a free consultation on the best projects in Gurugram.
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