Is the Discount on New Projects Worth the Wait?

In 2025, India’s homebuyers are more informed than ever. While ready-to-move (RTM) homes offer instant satisfaction, a quieter revolution is happening under the scaffolding — under-construction homes are becoming the smarter, more rewarding choice.

With exclusive builder discounts, custom offers, and long-term ROI, under-construction homes aren’t just affordable — they’re an opportunity.

If you’re a smart buyer asking, “Should I grab that ₹4 lakh discount and wait two years, or just pay full price and move in now?”—this article is for you.

Under Construction or Ready-to-Move Homes: What Should You Choose in 2025?

Why Developers Are Offering Heavy Discounts in 2025

Post-Pandemic Market Shift

After pandemic slowdowns, developers are now focused on quick inventory movement. This has led to:

• Early-bird price slashes
• Scheme-driven bookings
• And yes, value-packed discounts

Inventory Push & Festive Demand

From Holi to Diwali, developers across India are offering:

• Free maintenance for 2 years
• Club membership worth ₹1–2 lakh
• Zero-EMI till possession deals
• Gold coins or valuable items

These aren’t gimmicks. They’re practical moves to ensure value reaches buyers without inflating the upfront price.

Demystifying Maintenance Charges on Flats: What Every Homebuyer Should Know

What Makes Under-Construction Homes the Best Bet Today

Flexible Pricing & Custom Offers

Unlike RTM homes, where pricing is mostly fixed, under-construction homes allow negotiation. Builders are open to:

• Cash discounts
• Stamp duty waivers
• Modular kitchens & parking add-ons

This price elasticity is why savvy buyers are flocking to them.

Smarter Financing with No-EMI Schemes

Many builders now tie up with banks to offer:

• No-EMI till possession
• Construction-linked plans
• Minimal down payments starting at 5–10%

For salaried professionals or young families, this keeps cash flow healthy while building long-term assets.

Higher ROI & Better Location Access

Under-construction homes are usually located in developing corridors, not fully saturated markets. That means:

• Lower entry cost
• High appreciation as infrastructure develops (e.g., metro, ring roads, IT hubs)

Student Housing in Greater Noida: The Golden Gateway to Real Estate Investment Near Educational Corridors

Case Study: How Buyers Like Prateek and Sneha Are Gaining Big

To better understand the value under-construction homes can offer, let’s look at two modeled scenarios inspired by recent buyer behavior and 99 Realty client trends.

Scenario 1: Prateek’s ₹7 Lakh Advantage in Navi Mumbai

Prateek, a salaried professional exploring homes in Navi Mumbai, compared two options in 2024:

• A ready-to-move 2BHK priced at ₹92 lakh
• A just-launched under-construction unit at ₹80 lakh

Factoring in early-bird discounts, free modular fittings, 2 years of no-EMI till possession, and club membership included, his effective cost dropped to ₹77 lakh.

“I’m saving upfront and gaining in equity over time. It’s a win-win,” summarizes a typical buyer profile like Prateek’s.

Scenario 2: Sneha’s Smart Buy in Ranchi’s Upcoming Corridor

Sneha, a government employee in Ranchi, booked a 3BHK under-construction apartment in early 2024 at ₹59 lakh in an area projected for smart-city development. By mid-2025, thanks to infrastructure upgrades and market demand, the same property was valued at ₹68 lakh.

That’s a potential paper gain of ₹9 lakh in just 14 months, without even moving in.

---

Note: These scenarios are modeled examples based on actual pricing trends, buyer feedback, and real estate offers from 2024–2025. Individual experiences may vary.

---

Ready-to-Move Homes: Is the Premium Justified?

Yes, They Offer Immediate Possession

RTM homes are perfect if:

• You’re relocating urgently
• You need rental savings right now
• You want 100% certainty on what you’re buying

But that premium often includes:

• No negotiation
• Older layouts or infrastructure
• Limited location flexibility

But What Do You Sacrifice in Long-Term Value?

In most metros, RTM homes have already maxed out their price potential. There’s less scope for appreciation — which means you’re locking in today’s price without tomorrow’s gain.

Real Value = Price + Possibility

Calculating the True Cost of Convenience

Let’s break it down:

• RTM 2BHK in Bangalore: ₹1.15 Cr
• UC 2BHK, same area: ₹97L (with ₹3L discount + ₹2L in benefits)

You save ₹18–20L instantly, plus unlock potential resale value when the property becomes ready and demand increases.

Time = Appreciation: The 2-Year Equity Growth Window

Most under-construction properties appreciate 15–25% from booking to handover. That means in just two years, your investment could:

• Outgrow inflation
• Beat FD or mutual fund returns
• Give you asset + appreciation + tax benefits

What Today’s Buyers Really Want

More Value, Less EMI Burden

Rising living costs make budget-friendly home buying more relevant than ever. Under-construction homes give:

• Low EMIs
• Phased payment options
• Freedom from debt stress during construction

A Fresh, Future-Ready Home

Who doesn’t want:

• New plumbing, electricals, interiors?
• Modern designs with better natural lighting?
• Energy-efficient, Vastu-compliant layouts?

Under-construction homes are built with tomorrow’s expectations, not yesterday’s constraints.

Final Take: Why the Smart Money’s on Under-Construction

At 99 Realty, we believe buying a home isn’t just about moving in — it’s about maximizing your money, future-proofing your lifestyle, and making decisions with foresight.

Under-construction homes in 2025:

• Offer unbeatable discounts
• Come with smarter financial options
• Deliver real value in appreciation and flexibility

If you’re willing to wait, just a little, you’ll gain a lot more. And with verified projects, builder partnerships, and expert advisors from 99 Realty, that wait becomes a strategic step — not a risk.

FAQs

1. Are builder discounts on under-construction homes genuine?

Yes, especially during pre-launch or festive periods. Most are structured offers tied to inventory movement.

2. What are the biggest risks in under-construction homes?

Delays and overpromises—but 99 Realty only deals in vetted, RERA-registered projects to reduce those risks.

3. Can I negotiate builder offers further?

Absolutely. Things like car parking, fittings, and stamp duty are often negotiable.

4. Do under-construction homes give tax benefits?

Yes—interest paid during construction can be claimed post-possession under Section 24(b).

5. Should first-time buyers prefer under-construction or RTM?

Under-construction, if you don’t need instant move-in. It gives better value, flexibility, and price advantage.