Explore more verified under-construction projects in Mumbai, Navi Mumbai, Thane, and Panvel at Houzing Network
When looking for a dream home, one of the first and most crucial decisions buyers face is whether to invest in a ready-to-move flat (RTM) flat or an under-construction property. Both options come with their unique set of benefits and considerations. However, if you’re aiming for long-term gains, personalization, and affordability, under-construction flats often emerge as a more strategic choice.
In this guide, we’ll break down the pros and cons of each and explore why under-construction flats might be the better pick for most buyers in today’s evolving real estate landscape. We’ve also included some top under-construction projects listed on Houzing Network to help you explore real investment options.
What is a Ready-to-Move Flat (RTM)?
Ready-to-move flats are completed properties where the construction is fully done, all approvals are in place, and the buyer can immediately shift in post-purchase.
Pros:
- Immediate Possession – No waiting time.
- See What You Get – You can inspect the final product before purchase.
- No GST – Currently, there’s no Goods and Services Tax (GST) applicable on RTM flats.
- Low Risk – Reduced project delays and uncertainty.
Cons:
- High Cost – RTM flats generally come with a higher price tag.
- Limited Customization – You cannot personalize interior layouts or finishes.
- Depreciation – Older buildings may already have some wear and tear.
- Less Value Appreciation – Most of the price appreciation may have already happened.
What is an Under-Construction Flat?
An under-construction property is one where the builder is still in the process of developing the structure. Buyers typically book these homes before they are completed and wait for the possession date.
Pros:
- Lower Price Point – Significantly cheaper than RTM flats.
- High Appreciation Potential – As the property nears completion, its market value often increases.
- Easy Payment Plans – Many builders offer flexible payment schemes or subvention plans.
- Modern Amenities & Design – New construction usually includes the latest amenities and tech-enabled features.
- Customization Opportunities – Buyers can often request changes to flooring, layout, or fittings during construction.
Cons:
- Waiting Period – You can’t move in immediately.
- Risk of Delay – Possession may get delayed due to various regulatory or financial factors.
- GST Applicable – 5% GST is levied on under-construction properties.
Why Under-Construction Flats Are Better in 2025
Let’s explore why, in today’s market, under-construction flats offer superior value to buyers, especially first-time homeowners and investors.
1. Affordability and Budget Management
Under-construction flats generally cost 10-30% less than their ready-to-move flat (RTM)counterparts. This price difference means more options within your budget, especially in prime areas like Navi Mumbai, Panvel, or Thane.
Example:
- A 2BHK ready-to-move flat in Kharghar might cost ₹1 Cr.
- The same size under-construction flat in the same area could be priced at ₹75-80 Lakhs.
2. Custom Interiors & Layouts
Builders allow buyers to make certain customizations in under-construction homes, like altering the kitchen layout, choosing tiles, or even shifting walls in some cases. This personalization makes your home truly yours.
3. Better Appreciation Potential
Under-construction properties are likely to appreciate in value as the area develops and the project nears completion. If you buy early, you enjoy capital gains without investing additional money.
4. Flexible Payment Schedules
With RTM properties, you usually have to make the entire payment upfront or within a very short span. But under-construction homes come with milestone-based payments and builder schemes that make financial planning easier.
5. Brand New Infrastructure
Newer under-construction projects often come with upgraded features:
- EV charging stations
- Solar energy systems
- Rainwater harvesting
- Smart home tech
These not only offer comfort but also increase resale value.
6. Builder Discounts and Launch Offers
Builders regularly offer attractive pre-launch or early bird pricing. You may also get free car parking, waived stamp duty, or interior upgrades – benefits you rarely get with RTM flats.
What to Watch Out for When Buying Under-Construction
Even with all these advantages, buyers should be cautious:
- Check the RERA registration of the project.
- Verify builder credibility and past projects.
- Carefully read the agreement terms, especially regarding possession dates and penalties.
- Choose properties listed on verified platforms like Houzing Network to reduce risk.
Top Under-Construction Projects to Explore on Houzing Network
Here are a few trusted, value-for-money under-construction projects listed on Houzing Network:
1. Saras Icon Seawoods
- 2BHK homes
- Carpet area: 580–606 sq ft
- Price: ₹72 Lakhs + Taxes
- Possession: 2025
2. AN Blossom Koparkhairane
- 1 & 2 BHK
- Modern lifestyle amenities
- Ideal for first-time buyers and investors
3. Today Mangalam – Kharghar Annexe
- 1 & 2 BHK
- S+11-storey towers
- 2.5 acres of community living
- Starting at ₹36.99 Lakhs
4. Millennium Urbania – Roadpali
- 1BHK: ₹55-58 Lakhs
- 2BHK: ₹88 Lakhs
- 3BHK: ₹1.14 Cr
All these projects are RERA registered, come from reputed builders, and offer exciting launch benefits.
Buyer’s Perspective: Which One Should You Choose?
Criteria | Ready-to-Move | Under-Construction |
Possession | Immediate | 1–3 years |
Cost | High | Low |
Customization | None | Available |
Risk | Low | Medium |
Appreciation | Limited | High |
Tax | No GST | 5% GST |
Payment Plan | Full upfront | Flexible |
Final Verdict
For homebuyers and investors looking at long-term value, under-construction flats offer unbeatable advantages:
- Lower initial cost
- Better appreciation
- More flexible payments
- Possibility to customize
With proper due diligence and by selecting reliable developers through platforms like Houzing Network, under-construction properties can be a smarter, more strategic choice in 2025

Book Now with Houzing Network
At Houzing Network Partners Pvt. Ltd. and Houzing Partners Pvt. Ltd., part of RealTech Simplify Solutions Pvt. Ltd., we go beyond traditional real estate consulting—we’re your trusted partners on your property journey. Specializing in luxury homes, villas, and prime plots across Mumbai, Navi Mumbai, Thane, Panvel, and Pune, we help you make informed property decisions that maximize your investments.
Our expert team understands your unique needs and provides tailored advice with transparency and trust. Whether you’re looking for a luxury home with breathtaking views, a private villa, or a prime plot for future growth, we are here to turn your real estate aspirations into reality.
The best property in Navi Mumbai, Mumbai & Thane isn’t just a listing. It’s a lifestyle waiting for you.
If you’re seeking a real estate journey filled with trust, clarity, and smart decisions, choose Houzing Partners – the most trusted real estate firm in Navi Mumbai, Mumbai, and Thane.
Contact us at +91 77385 33227 or info@houzingnetwork.in to schedule a visit, check floor plans, or receive personalized offers.