Buying a home in Gurgaon is not just a financial decision – it’s a life changing step. For many, especially budget conscious buyers it can be overwhelming. One of the very first questions you will face is whether to choose a ready to move in apartment or an under construction property. Each option has its own set of advantages, risks and hidden costs making the decision even more critical.
Gurgaon real estate market is vibrant and diverse. Established areas like DLF Garden City, Sector 93 have ready to move homes with developed infrastructure, green spaces and proven amenities. On the other hand, new launches from reputed developers like Emarat Realty have under construction properties that can be more affordable and offer long term growth.
This guide is designed to break down everything you need to know – from upfront prices and hidden charges to possession timelines, customization options and investment potential so you can make a decision that aligns with your needs, budget and future goals. Whether you are looking for immediate comfort or long term gains we will help you navigate Gurgaon’s housing market with confidence.
What’s the Basic Difference
Before you compare, let’s understand what each term means in today’s market:
Ready to Move In Properties
Fully constructed homes where the developer has got the Occupancy Certificate (OC). You can see the property, complete paperwork and move in immediately. Examples are DLF Garden City Enclave, Sector 93 Gurgaon.
Under Construction Properties
These are still under construction, with possession timelines ranging from a few months to several years. You usually see sample flats or floor plans before buying. Popular examples are DLF Independent Floors Phase 3 and other upcoming launches.
Head-to-Head Comparison: Pros and Cons
Here’s a quick comparison to help you decide which suits your goals and budget better.
| Factor | Under-Construction Property | Ready-to-Move-In Property |
| Price & Affordability | Usually 10–30% cheaper; lower entry cost. | Higher price due to immediate possession. |
| Possession Timeline | Takes 1–5 years; risk of delays. | Immediate possession. |
| Financial Burden | Possible “double burden” of rent + EMI. | EMI starts after possession, easier cash flow. |
| Risk Factor | Higher – delays or project changes possible. | Low risk – what you see is what you get. |
| Customization | Can customize layouts and finishes early on. | Minimal customization possible. |
| Transparency | Dependent on builder promises; RERA helps. | High transparency; inspect the exact unit. |
| Taxation (GST) | 5% GST applies. | No GST post-OC. |
| Investment Potential | Higher potential for appreciation. | Great for immediate rental income. |
Hidden Costs Every Buyer Should Know
The listed property price is just the beginning of the story. Here are all the other costs you’ll need to factor in:
1. Stamp Duty & Registration
Expect to pay around 7-8% of the property value – and don’t forget the registration fees.
A nice little quirk: women buyers in Haryana get a discounted rate – that’s worth looking into.
2. GST (Goods & Services Tax)
If you’re buying a new-build home, you can expect to pay 5% GST.
On the other hand, if the property is already built, then no GST is due – which is a big saving.
3. Additional Charges You Should Be Prepared For
- Parking Fees can add up to ₹1-5 lakh per slot.
- If you want a unit that’s got a view or is near the park, expect to pay a Premium Fee (PLC) of ₹1-5 lakh or more.
- Every new development has to pay for its own infrastructure – so be prepared for some development charges (IDC or EDC).
- When you move in, you’ll need to put down a one-off maintenance deposit for say 1-2 years.
- There are also loan processing fees to consider – these can be anything from 0.5% to 3% of the loan amount.
- And of course there’s the cost of furnishing and decorating your new home – which can blow out to ₹5-10 lakh or more for a basic fitout.
Which Property Option is Right for You?
Under-Construction Properties – the Perfect Option If:
- You’re looking at investing long-term and want to get in at the ground floor – literally.
- You can handle a bit of a wait and want the chance to put your own stamp on the place.
- You’re happy to trust the builder to get the job done on time and you love the idea of living in a one-off property.
- You’ve done your homework and are convinced the builder is reliable – but always double check their RERA registration.
Ready-to-Move-In Properties – the Better Choice If:
- You simply can’t afford to wait and need a place to call home right now.
- You like the peace of mind that comes with knowing exactly what you’re getting – no nasty surprises.
- You’d rather avoid the 5% GST on a new-build and just get settled in.
- You prefer living in an established area – like DLF Garden City – with all the amenities on your doorstep.
A Quick Word on Budget Buyers in Gurgaon
Gurgaon has got something for everyone – from super affordable apartments to luxury floors that will blow your budget.
- The Established Neighbourhoods
- If you’re after a ready-to-move option with all the infrastructure already in place, then areas like Sector 93 – home to DLF Garden City Plots and DLF Floors – are worth checking out.
- Emerging Sectors
- If you’re on a tight budget and don’t mind waiting a bit for your property to be finished, then sectors 89, 91, 104 and 105 are where you’ll find affordable options with loads of potential for growth.
Tip: Always check the Haryana RERA website to verify the builder’s registration – it’s your best friend when it comes to avoiding scams and delays.
Last-Minute Checklist Before You Decide
For Under-Construction Properties:
- 1st – check if the builder has a good track record and a valid RERA registration. –
- 2nd – understand how they plan to make you pay – all upfront or linked to construction. –
- 3rd – factor in all the extras – especially the GST. –
- 4th – keep some spare cash for any delays or unexpected costs.
For Ready-to-Move-In Properties:
- Take a close look at the actual unit you’re interested in – is it what you really want? –
- Check if the Occupation Certificate has been issued and there are no outstanding maintenance charges or debts. –
- Have a chat with some of the existing residents to get the lowdown on how the society is run.
Conclusion
There’s no one answer to this question – it all depends on what you want.
If you want certainty, comfort and immediate use – ready to move is the way to go.
If you want growth potential, flexibility and lower entry costs – under construction is the smart choice.
Whatever your preference, do your homework – know all the costs, verify RERA details and choose a trusted developer with a good track record.
In Gurgaon, Emarat Realty should be on top of your list for construction quality, timely delivery and well planned communities that balance comfort with long term value.
