Mumbai’s skyline is moving faster than a local train during rush hour. With new Metro lines opening and massive infrastructure shifts, you are likely asking, “Should I buy a home that is ready to embrace or one that is still rising?”saybagroup.com
In 2025, this isn’t just about a move-in date. It is a calculated financial move. At Sayba Group, we have spent over 18 years helping families navigate this exact choice. Whether it’s our latest OC-received projects in Kurla or our rising landmarks in Jogeshwari, the “right” choice depends on your cash flow and your risk appetite.Ongoing Project landmarks in Jogeshwari, the “right” choice depends on your cash flow and your risk appetite.
Here is the hyper-clear breakdown of the pros and cons you need to know before signing that agreement in the Ready To Move Vs Under-Construction debate.
Ready-to-Move Flats: The Peace of Mind Play
If you value certainty and hate waiting, RTM is your best friend in the Ready To Move Vs Under-Construction decision. In 2025, “ready” properties are dominating the Mumbai market for one primary reason: what you see is what you get. [ latest blog on Understanding the GST Regime in 2025-26 ].
The Pros:
- The 0% GST Advantage : This is the ultimate win in Ready To Move Vs Under-Construction. If a project has received its Occupancy Certificate (OC), it is a completed project. You pay zero GST. You save 10 lakh immediately on a 2 crore house.
- Short-term Rental Revenue : In Kurla West, the monthly rent is between 25,000 and 60,000. You can put your property on Day 1 and begin earning.
- Killing the “Double Burden : The moment you move in, you stop paying rent. You only handle your EMI. This frees up significant monthly liquidity for your family.
- Physical Verification : You are able to take a physical tour of the real flat. You are able to check the sunlight at 4 PM, test the plumbing, and view the real view, not a 3D representation.
The Cons:
- Upfront Capital : You need your down payment and loan disbursement ready immediately. There is no staggered payment window in Ready To Move Vs Under-Construction.
- Fixed Layouts : The tiles, wiring points, and layouts are already set. What you see is exactly what you get.
Learn more by reading our latest blog on Resale Flat vs New Property – Pros & Cons for Homebuyers.
Under-Construction (UC) Flats: The Value & Flexibility Play
The Pros:
- Flexible Payments (CLP) : Most developers, including Sayba Group, offer Construction Linked Plans. You pay in small instalments as the slabs are cast, and this leaves you off the financial burden at the time.
- Early-Bird Pricing : The prices are usually lower than the final price when the product is ready.
- Higher Appreciation : You capture the price rise from foundation to possession.
- Modern Features : New models usually have the newest 2025 smart-home technology and EV charging systems.
Not sure whether to buy a ready-to-move or under-construction flat? Read the latest blog on Ready to Move vs Under Construction Flats: Better Investment for expert insights.
The Cons:
- 5% GST Tax : Unless it’s “Affordable Housing” (₹45L/60 sqm), you pay 5% GST.
- The Wait Factor : You are looking at a 12–36 month timeline.
- Possession Risks : Delays are the biggest fear in Mumbai, which is why choosing a builder with a “Before Time Delivery” legacy is mandatory.
The 2025 Price Paradox: Why "Ready" Might Be Cheaper
Here is a fact that most buyers miss: In early 2025, under-construction prices in Mumbai hit an average of ₹32,371 per sq ft, while ready homes averaged ₹28,935 per sq ft.
Wait, shouldn’t ready homes be more expensive? Usually, yes. But 2025 is different. The cost of raw materials, cement, steel, and labour skyrocketed in late 2024. New projects are being priced based on tomorrow’s costs. Ready homes were built with yesterday’s cheaper materials.
The Strategy: If you find an OC-received project from a reputed developer today, you are getting a better per-square-foot rate and dodging the 5% GST. It’s a double financial win.
Choice Matrix: Which One is for You?
Choose Ready-to-Move if:
- You are currently paying high rent.
- You want to save ₹5–15 lakh on GST.
- You need to move near BKC or LBS Marg for work immediately.
- You want the legal safety of an existing Occupancy Certificate.
Choose Under Construction if:
- You don’t have the full down payment ready and need a CLP.
- You want to choose your specific floor or a Vastu-compliant view.
- You are buying purely for long-term capital gains over 5–7 years.
Conclusion
At Sayba Group, we don’t believe in guesswork. Our 18-year legacy is built on transparency. This is why we maintain a robust portfolio of OC-received projects like Sayba Icon and Sayba Pearl Hans for those who want instant possession and zero tax.
At the same time, our ongoing projects like Sayba Samriddhi offer modern lifestyles for those looking to invest in the future of Chembur and Kurla.
Ready to quit fantasising and begin living? Today, visit our site offices and have a tour of our ready units. We provide convenient home loan arrangements with major banks so that you can have as smooth a possession as you make a decision.
Buy not a flat, invest in a promise fulfilled.
Ready to explore your dream home? Visit our site office today or contact us to schedule a visit and get personalized assistance.
FAQs:
Q1: What is the difference between Ready To Move Vs Under-Construction flats in Mumbai?
A1: Ready To Move Vs Under-Construction flats differ mainly in possession timeline, GST implications, and payment flexibility. Ready homes provide immediate occupancy and 0% GST, while UC homes offer CLP and early-bird pricing.
Q2: Which is better for investment, Ready To Move Vs Under-Construction flats?
A2: Ready To Move Vs Under-Construction both have advantages. Ready homes offer rental income immediately, whereas UC flats can yield higher appreciation over 5–7 years.
Q3: Are Ready To Move flats cheaper than Under-Construction flats in 2025?
A3: Yes, in 2025, due to rising material costs, Ready To Move Vs Under-Construction pricing often favors completed projects for per-square-foot rates and 0% GST.
Q4: What are the risks of buying Under-Construction flats?
A4: The main risks in Ready To Move Vs Under-Construction are possession delays, GST charges, and dependency on builder credibility.
Q5: Can I customize my flat in Ready To Move Vs Under-Construction options?
A5: In Ready To Move Vs Under-Construction, customization is limited in ready homes but more flexible in UC flats with layout and floor choice options.