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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Quick Summary: Under-Construction Property Cost

Buying an under-construction property in FY 2026-27 involves a 'Double Burden': paying rent for your current stay while paying Pre-EMI interest to the bank. This tool calculates your total cash outflow over the construction period and evaluates if a ready-to-move-in property (attracting 0% GST) is more cost-effective.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.