In my experience, the choice depends on your goal. If you’re looking for a home to move into soon, a ready-to-move property is usually the safer option. You can inspect the actual flat, check the quality, and avoid the risk of construction delays.
If you’re buying for investment and can wait a few years, an under-construction property may offer better appreciation potential and a lower entry price. However, it’s important to check the builder’s track record, RERA registration, and project progress before committing.
Personally, I advise buyers to focus on location, builder credibility, and long-term value rather than just the price difference. A good property in the right location often proves to be a better decision than trying to save a little upfront.