As the real estate markets of Gurugram and Faridabad continue to thrive in 2025, homebuyers and investors are faced with a crucial decision: Should you go for a ready-to-move-in (RTM) property or invest in an under-construction (UC) project? This blog will offer a detailed comparison of both options, helping you make a smart and informed decision based on your goals, budget, and timeline.
Understanding the Two Property Types
What is a Ready-to-Move Property?
A ready-to-move (RTM) property is a completed residential unit where possession is immediately available. The buyer can move in or rent it out without delay. These properties are usually fully constructed, with occupancy certificates (OC) and completion certificates (CC) already issued.
What is an Under-Construction Property?
An under-construction property is a project that is still being built and will be delivered in the future. Depending on the stage of construction, the possession timeline could range from a few months to several years.
Pros and Cons of Ready-to-Move Properties
Advantages:
- Immediate Possession: You can move in right after the purchase.
- What You See is What You Get: No uncertainty about the quality, layout, or amenities.
- No GST: As per current tax regulations in India, GST is not applicable on RTM properties.
- Instant Rental Income: If you’re an investor, you can earn rental income immediately.
- Low Risk: You avoid project delays or developer defaults.
Disadvantages:
- Higher Cost: Per square foot prices are generally higher compared to UC properties.
- Limited customisation: Interiors and layout changes are limited.
- Older Inventory: May not include the latest in smart home technology or green certifications.
Pros and Cons of Under-Construction Properties
Advantages:
- Lower Price: More budget-friendly, especially in early stages of construction.
- Payment Flexibility: Construction-linked plans help spread out payments.
- Higher Appreciation Potential: Significant scope for capital gains as the project nears completion.
- Customization Options: Early buyers may have the option to choose finishes, layouts, and fixtures.
Disadvantages:
- Possession Delays: Regulatory hurdles or funding issues can delay handovers.
- GST Applicable: A 5% GST is typically levied on UC properties.
- Risk Factor: Possibility of project stalling or developer non-compliance.
- Not Ready for Immediate Use: No immediate rental returns or end-use.
Key Factors to Consider When Choosing Between RTM and UC
1. Purpose of Purchase
- End-use: RTM is ideal if you’re planning to move in soon.
- Investment: UC can offer better ROI over time, provided the project completes on schedule.
2. Budget Constraints
- RTM homes are more expensive upfront.
- UC homes offer phased payments, suiting buyers with a limited initial budget.
3. Location Preferences
- RTM homes are usually in fully developed sectors of Gurugram and Faridabad.
- UC homes may be in emerging areas with future growth potential.
4. Developer Reputation
- Always check the track record, delivery history, and RERA compliance of the developer, especially for UC projects.
5. Legal & Financial Risks
- RTM properties are legally safer with all approvals and certificates in place.
- UC projects need due diligence to ensure clear land titles and legal sanctions.
Market Trends in Gurugram and Faridabad in 2025
Gurugram
Gurugram continues to attract premium buyers and investors thanks to its well-developed infrastructure, corporate hubs, and luxury housing options. Sectors 62, 113, and Golf Course Extension Road are witnessing a surge in RTM property demand. Meanwhile, newer sectors like 84-95 are hotspots for UC projects with high growth potential.
Faridabad
Faridabad is emerging as a strong contender with improved connectivity via the Delhi-Mumbai Expressway and metro expansion. RTM properties in sectors like 14, 15, and 21 are in high demand for residential use. Under-construction projects in sectors 75-89 are gaining investor interest due to lower entry costs and upcoming infrastructure.
Which One Should You Choose?
Choose Ready-to-Move If:
- You need immediate housing or rental income.
- You are risk-averse and want complete transparency.
- Your budget allows for a higher upfront investment.
Choose Under-Construction If:
- You’re looking for long-term capital appreciation.
- You’re comfortable with a waiting period.
- You want to personalize your home.
Tips for Making the Right Choice
- Visit the Property Site: Whether RTM or UC, always visit the site and talk to existing buyers or residents.
- Check RERA Registration: Verify the property’s RERA number and compliance.
- Compare Total Costs: Include GST, registration, furnishing, and other hidden charges.
- Understand the Payment Plan: Especially for UC properties, know the construction-linked payment schedule.
- Loan Eligibility: Check which option suits your home loan eligibility and EMI capacity.
Final Thoughts
Choosing between ready-to-move and under-construction properties in Gurugram and Faridabad depends on your personal and financial goals. RTM homes offer safety and immediate utility, while UC homes provide scope for higher returns if chosen wisely.
In 2025, both cities present a mix of opportunities across segments. Collaborate with a trusted real estate advisor who understands the local markets to make the right move.
For expert consultation and curated property options in Gurugram and Faridabad, feel free to get in touch with our team today!
