Top 10 Reasons to Choose an Under-Construction Property in India in 2025

In the evolving landscape of Indian real estate, a silent shift appears to be underway. While ready-to-move-in (RTMI) homes have long been considered the safer bet, under-construction properties are now gaining renewed attention from savvy buyers in 2025.

Despite the apprehensions surrounding project delays and financial uncertainties, experts suggest that buyers willing to do their due diligence might unlock significantly higher value by opting for homes that are still being built.

Under-Construction Properties Offer an Array of Benefits

1. More Affordable Entry Point

It has been observed that under-construction properties are generally priced lower than RTMI homes. Buyers entering at early stages reportedly benefit from pre-launch offers and introductory discounts, which can translate into substantial savings.

2. Flexible Financial Planning

Developers are said to be increasingly offering payment structures linked to construction milestones, thereby easing the financial pressure on buyers and allowing them to stagger their investments over time.

3. Potential for Capital Gains

Industry insiders have pointed out that property values tend to appreciate over the course of construction. This appreciation can deliver robust returns for investors by the time possession is granted.

4. Tailored Living Spaces

Buyers reportedly get more say in how their homes shape up. Many developers are allowing customization in areas such as flooring, kitchen layout, and bathroom fittings, offering a more personalised living experience.

5. New-Age Amenities

It has been noted that under-construction projects often include features designed for modern lifestyles—think gyms, clubhouses, swimming pools, co-working spaces, and even EV charging stations—all bundled within the price.

6. Attractive Tax Benefits

Tax experts have highlighted that homebuyers can claim deductions on both principal and interest payments under Sections 80C and 24(b) of the Income Tax Act, reducing the overall cost of acquisition.

7. Greater Buyer Protection Under RERA

The implementation of the Real Estate (Regulation and Development) Act, 2016, has introduced much-needed transparency in the sector. RERA registration now ensures that developers meet promised timelines and maintain construction quality, offering buyers a safer ecosystem.

8. Choice of the Best Units

Early movers often enjoy the privilege of selecting prime units within a development—those with better views, higher floors, or corner layouts—which may not be available later or could command a premium.

9. Scope for Strong Rental Income

Once completed, such properties—especially those in prime locations or with superior amenities—tend to attract higher rental yields, making them lucrative for income-focused investors.

10. Developer-Backed Incentives

To encourage early investment, developers are offering deals such as free modular kitchens, waived floor-rise charges, or even maintenance holidays, further sweetening the proposition for under-construction buyers.

Conclusion: A Well-Timed Opportunity

Analysts suggest that 2025 could be a strategic year to consider under-construction homes, especially with favorable tax rules, advanced infrastructure planning, and competitive developer offers in play. While risks remain, particularly with project delays, thorough research and choosing reputed builders can mitigate these concerns and turn such properties into high-value assets.

FAQs

Q1: Are under-construction properties riskier than ready homes?
Though they carry certain risks, RERA regulations have made the environment more secure for buyers by ensuring project transparency and accountability.

Q2: Can I get a home loan for such properties?
Yes, most major banks and housing finance companies offer loans for under-construction properties, with payment schedules aligned to construction progress.

Q3: How do I verify a developer's credibility?
Buyers are advised to review past project timelines, customer feedback, and RERA registration details to assess trustworthiness.

Q4: What checks should I make before booking?
Experts recommend evaluating location, project approvals, construction timeline, developer track record, and payment structure.

Q5: Are there any extra costs involved?
Buyers should factor in GST, registration, stamp duty, interior work, and post-possession maintenance charges as potential add-ons.

Disclaimer: This article is intended for informational purposes only. Readers are advised to conduct independent research and consult with real estate professionals and financial advisors before making property investment decisions.