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Explore ₹1 Crore Flat: Under Construction or Ready to Move? 🏠🤔 with 38,125 views, 559 likes, and 31 comments. Experience the impact of this video content that has captured audience attention.

An under construction flat or a ready to move flat, which one should you buy? Let's say you're buying a ₹1 crore flat, paying ₹20 lakh upfront and taking an ₹80 lakh loan at 7.85%. Here are three things to keep in mind. 1. EMI: For an under-construction flat, the bank releases the loan in stages, so you pay interest on the amount disbursed so far. For a ready-to-move flat, the full loan is disbursed upfront and your EMI starts immediately. 2. GST: An under-construction flat attracts 5% GST, while a ready-to-move flat with a completion certificate has no GST. 3. Delays: An under-construction project could get delayed by years or even stall midway. With a ready-to-move flat, you don't have to wait for construction to finish. So if you were buying your first flat, which one would you choose? Tell us in the comments.

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