Pre-EMI is the monthly interest you pay to the bank on the disbursed loan amount before the construction is complete and the full EMI begins.

Is it better to buy a ready-to-move or under-construction house?

Ready-to-move saves you from the 'double burden' of paying rent and Pre-EMI simultaneously, and attracts 0% GST. Under-construction properties are cheaper initially but carry delay risks and GST.

Under-Construction Property Cost

Visualize the combined cost of paying Pre-EMI interest and rent while your home is under construction.

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Last verified May 2026

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