How to Choose Between Ready-to-Move vs Under-Construction in Chembur
Chembur has become one of Mumbai’s most desirable residential hubs, thanks to its excellent connectivity, family-friendly neighbourhoods, and steady real estate growth. Homebuyers in Chembur often find themselves choosing between ready-to-move and under-construction properties. Both categories offer distinct advantages, but the right choice depends on your budget, timeframe, and long-term goals. Here is a detailed guide to help you decide which option suits you best.
12/13/20252 min read
1. Ready-to-Move Homes: What They Offer
Ready-to-move homes in Chembur are popular among end-users, retirees, and buyers who want immediate possession. These properties allow buyers to physically inspect the flat, neighbourhood, and society before taking the final decision.
Advantages:
Immediate possession: No waiting time — you can shift in right away.
What you see is what you get: There’s full clarity on layout, finishing, sunlight, ventilation, and surroundings.
Zero GST: Buyers save 5% GST, which is applicable on under-construction properties.
Established neighbourhood: Schools, shops, transport, and society culture are already in place.
Lower risk: No risk of delays or project uncertainty.
Limitations:
Usually higher pricing compared to under-construction projects.
Limited availability of modern amenities in older buildings.
Interior layout may require renovation for personalization.
Ready-to-move flats are ideal for families who prioritize stability, convenience, and certainty.
2. Under-Construction Projects: Who Should Choose Them?
Under-construction projects in Chembur, especially in pockets like Pestom Sagar, Chembur East, and Deonar, attract young buyers and long-term investors due to their modern amenities and flexible payment options.
Advantages:
Lower entry cost: Launch-phase prices are usually 10–15% lower.
Payment flexibility: Pay as per construction-linked plans.
Modern amenities: Clubhouses, gyms, rooftop decks, EV charging, and landscaped gardens.
Higher appreciation: Early investors typically enjoy better capital growth once the project is completed.
New-age layouts: Better ventilation, balconies, and efficient space planning.
Limitations:
Possession time: Completion may take 2–4 years.
GST applicable: Adds to overall cost.
Developer credibility matters: Always check RERA registration and track record.
Construction delays: Although reduced by RERA, delays can still occur.
Under-construction homes help buyers with long-term appreciation and gradual payment schedules.
3. Chembur-Specific Insights When Choosing
Since Chembur is a mix of old societies and new redevelopment projects, your decision should include these local insights:
Ready-to-Move Preferable When:
You want to stay close to established areas like Sindhi Society, Chembur East, or Shell Colony.
You need immediate accommodation.
You prefer older, larger flats with bigger rooms.
You want a more community-driven environment.
Under-Construction Preferable When:
You want modern amenities like gyms, sky decks, and landscaped gardens.
You’re comfortable waiting 2–3 years for possession.
You want to invest in areas with upcoming metros and infrastructure.
You prefer a phased payment schedule rather than full upfront costs.
Conclusion
Choosing between a ready-to-move and an under-construction property in Chembur ultimately depends on your needs. If you want certainty, immediate possession, and clarity, go with a ready home. If you prefer modern amenities, lower pricing, and long-term appreciation, an under-construction project is ideal. Chembur offers both options across multiple budgets, making it easy for every type of homebuyer to find the perfect match.
