If you plan to buy an apartment in Dhaka, you will often ask one big question: should you buy a ready apartment or an under-construction one? Both have good sides and bad sides. Knowing the difference helps you decide what fits your life, your money, and your goals.
Dhaka’s real estate market now offers a wide range of choices. You can find ready apartments in areas such as Gulshan, Dhanmondi, and Bashundhara. You can also find under-construction projects in Purbachal, Uttara and other locations. For many people, this is not just about money. It is also about emotion. A home is a dream, and it needs a clear and safe decision.
Understanding the Two Options
A ready apartment means the building is already done with construction. You can move in after you buy it. You can see the rooms, the walls, the windows, and the surroundings. You know exactly what you get. There is no guesswork.
An under-construction apartment means the building is still being built. You buy it early, often at a lower price, and wait until it is done. You get the flat after the handover. The wait can be one year or more, depending on how fast the builder works.
Different buyers like different things. People who want quick use or less risk go for a ready apartment. People who plan for long-term growth often choose those that are under construction.
Advantages of Buying a Ready Apartment in Dhaka
The best thing about a ready apartment is that you can move in right away. It is good for families who need a home soon. In Dhaka, rent keeps getting higher, so owning a ready apartment can save you rent money quickly.
Ready apartments are also easy to check. You can walk inside, look at the tiles, check the water, and see the light and air. You buy what you can see. This makes it safe. In areas like Dhanmondi, Banani, or Gulshan, people pay more for this clarity.
Another big point is lower risk. In Bangladesh, some under-construction projects take longer than promised. If you buy a ready apartment, you skip this delay. You also do not have to pay both rent and a loan at the same time, which helps many families.
If you want to invest, a ready apartment is also good because you can start renting it right away. Places like Uttara, Mirpur, and Bashundhara have many tenants. You can earn rent from the very first day.
You can view more ready apartments from our listings to explore your options.
Why Some Buyers Still Choose Under-Construction Apartments
Even if ready apartments are safe, some people prefer under-construction ones. The first reason is price. These flats usually cost less than ready ones because you buy early. It helps first-time buyers and young families who are saving for a home.
There is also a flexible payment. You can pay in installments as the work progresses. You don’t need all the money at once. This is particularly helpful when you have a monthly income.
Another reason is value growth. If you buy early in a desirable area like Purbachal, Aftabnagar, or Mirpur, the price can increase when the project is completed. The new metro rail and expressways in Dhaka are pushing prices higher in these growing areas.
Sometimes you can also ask for small custom changes during the construction, like different tiles or colors. This makes it feel more personal.
But under-construction apartments also come with risk. There can be delays, price changes, or poor finishing. That is why it is essential to choose a trusted developer like Concord Real Estate Ltd., who delivers on time and with quality.
Comparing the Two – A Realistic View
When you compare the two, the choice depends on what matters most to you.
If you want peace of mind, less stress, and quick living, a ready apartment is better. You can check everything before you pay. You see the sunlight, the location, and even the neighbors. The price is higher, but you get complete certainty.
If you can wait longer and want a higher return in the future, an under-construction apartment can be a good option. But you need patience and trust in the builder.
Many smart buyers do both. They live in a ready apartment and invest in an under-construction one for future profit.
Tips for Buyers in Dhaka
- Check all papers: Make sure land title, RAJUK approval, and utility papers are correct.
- See the quality: For ready apartments, check everything before paying. For the under-construction site, visit the site often.
- Think about the location: Ready flats in Gulshan or Dhanmondi keep value. Under-construction ones in Purbachal or Uttara may grow more later.
- Count all costs: Add registration, parking, and utility fees to your budget.
- Know your developer: Visit their old projects and talk to owners.
Check our guide to flat registration fee and process for a better understanding.
Short Tricks for Buyers
- For a ready apartment, visit it morning and evening to check the light and noise.
- Ask the caretaker about power, water, and maintenance.
- Know resale demand. A well-maintained apartment sells faster in the long run.
- For under-construction, expect a delay. Add a 6–12 months buffer.
- Keep savings for finishing work and furniture.
In Dhaka’s market, most buyers prefer ready apartments. Life in the city is fast, and people want certainty. A ready apartment may cost more, but it saves time and stress. You can move in, live safely, or start renting right away.
Still, under-construction apartments are good for people who can wait and want to invest. Buying early in growing zones often gives better returns later. But it needs careful choice and trust in the builder.
So, which one is better? A ready apartment or an under-construction one?
It depends on you. If you want a safe, simple, and quick move, a ready apartment is best. You get full value and zero delay.
If you want to grow your money and can wait a few years, an under-construction apartment can work well. But you need to plan and check everything before buying.
Choose what fits your time, budget, and comfort.
To see trusted and verified ready apartments in Dhaka, visit Concord Property Solutions. You can also follow our Facebook page for property tips and new listings.
Frequently Asked Questions (FAQ)
1. Why do many people in Dhaka prefer ready apartments?
People choose ready apartments because they offer immediate possession, no project delay risk, and the chance to start living or renting right away.
2. Is a ready apartment in Dhaka more expensive than an under-construction one?
Yes, ready apartments usually cost more because they are already complete and risk-free. Under-construction flats are cheaper but take longer to finish.
3. What should I check before buying a ready apartment in Dhaka?
Inspect the flat’s finishing, legal papers, RAJUK approvals, utility connections, and developer reputation before finalizing the deal.
4. What are the risks of buying an under-construction apartment?
Delays in handover, poor construction quality, and uncertain timelines are common risks if you choose an unreliable developer.
5. Which option gives better long-term returns?
Under-construction apartments can give higher long-term gains if you buy early in a growing area like Purbachal or Uttara. But ready flats give steady rental income right away.