It is nothing but human nature to prefer a finished product. One can apply this truth to various areas in life. We lack the faith to trust that something in the process may be of greater benefit than something we can see in all aspects of completion.
This fact is also the basis of many counter productive real estate purchase.

The Ready (Finished) Possession Property Product Syndrome
Let’s take a contemporary example. There are many pizza parlors where you have the choice of buying a delicious-looking ready pizza (at considerable cost) or ordering a’do-it-yourself’ pizza, where the main ingredients are supplied and you put them together yourself. What’s the basic difference? The ingredients are the same …but the latter option is much more cost-effective. Many who are aware of this invest a little time and effort to put their pizza together the way they like it (more cheese, less anchovies, forget the pepperoni) and save a lot on the price. Others lack the patience, pay almost double for the finished pizza, and complain about the ingredients when it is served.
What have pizzas got to do with property?
You may have guessed the basic point by now-the same principle applies in property purchase. It is certainly tempting to purchase a residential or commercial property that is in a state of total completion. After all, there is no need for any input from the buyer’s side. All that needs to be done is the signing of a cheque. The thought of investing in a property that is still in either the conceptual stage or ‘under construction’ clashes with our need for instant results.
‘Ready Possession’
The above term is a cunningly devised advertising tool that appeals to something we all share-the desire to possess. Instantly. No waiting, no effort involved, just sign the dotted line and show off your acquisition to envious friends and associates the very next day.
By giving in to it, we place ourselves at the mercy of the builder. We are forced to agree with his idea of aesthetics, color schemes, brand of fittings, layout… and finally with his idea of a fair purchase price. Buying a ‘ready possession’ property may make sense if it is required for immediate occupancy, but it is rarely a wise move from the point of view of investment.

Under Construction (Unfinished) Property Product Syndrome
This term appears to be a less promising one. It implies a state of incompleteness, which translates into” No Instant Results”. The desire to ‘possess’ will have to be toned down. You will feel less inclined to invite your friends to view an untidy site strewn with construction rubble… where is the glamour?
This is a classic example of tunnel vision. We fail to see the forest for the trees. Consider the following goals:
a) A house or shop designed to our needs and specifications.
b) A prudent property investment.
Taking The Long View
The inherent benefits of investing in an’ under construction’ property far outweigh those of ‘ ready possession’. Let’s look at some of them.

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Lower Rates
Ready Pizza- Rs. 200. Do-it-yourself pizza-Rs.75.
Every builder knows that a buyer has to exercise restraint and patience while investing in an incomplete property. This knowledge is reflected in the property rates. ‘ Under construction’ properties cost significantly less than finished ones.
The Power of Choice
With a little vision and imagination, you can see precisely which flat or shop will best suit your needs. In an ‘under construction’ scheme, you will have lots to choose from. Direction of sunlight, best view, ‘Vaastu’ parameters, general ambience and ’feel’… these are factors you can choose for yourself.
Flexible Payment Terms
A property under development is not an immediately marketable assets. Builders can only hope to dictate inflexible payment terms in the case of ‘ready possession’ properties, while remaining open to negotiation at the ‘under construction’ phase. In other words, you can hold out for payment terms that best suit your budget.
Scope for Modification and Customizing
There isn’t much you can do to change the physical characteristics of a finished flat or shop. The walls are in place, the choice of windows and bathroom fittings has already been made, and no space provisions for that extra Sintex tank may exist. In an ‘under construction’ flat, you can give specific instructions for modification without incurring extra expenses.
Investment Benefits
Apart from the lower property rates, easier payment terms allow you to plan a more effective investment strategy. Also, the ability to choose specifications helps you to value-add to the property. This translates into better returns on completion.
Planned Interior Layout
Whether the property is for residential or commercial purposes, you can optimize space and layout for future convenience. Lofts, storage space and garden area can be included at this stage.
There will still be many circumstances that warrant the purchase a ‘readymade’ property, but consider the above pros and cons before doing so.

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