Buying property on-plan or ready: see the advantages and disadvantages

One of the biggest important decisions in life is to buy a property, whether to have a fixed place to live, rent to others or to invest. But is it better to buy property on the plant or ready? If you are determined to make this purchase, but still do not know which option to choose, then read this text to the end.

Below, you will learn the advantages and disadvantages of buying an off-plan property or finished property. Check out!

After all, buy property on the plant or ready?

Making this decision is not easy, but we at Ao Cubo real estate will show you the biggest advantages and disadvantages of buying real estate on-plan or ready-made.

It is normal for you to have doubts when choosing between a property in the plan and a finished property, as there are numerous options in the real estate market with different prices and benefits.

But the pros and cons will make you the best property purchase. Read on!

Advantages of buying property on the plant

A property on the floor plan is intended for buyers who wish to purchase with the construction company, either before construction, during the construction phases or at the time of launching the property.

See the advantages and disadvantages of choosing to purchase the property on the floor plan.


Price is one of the main positive factors that make people choose to buy a property in the plan.

Generally, this type of property is usually cheaper than the finished property. So that’s a big advantage.


Many people like to have a plan of the installments of the property. Therefore, when starting the search for the purchase of the property in the plan, the buyer will have more time to find new facilities, modern infrastructure, among other details.

Installment and advance payment

Another advantage related to the money with the property in the plan is the installment payment that can be made during and after the delivery of the property.

In addition, those who have saved money and are able to advance these installments can save with discounts.

New property

Undoubtedly, the feeling of acquiring a new property is a great advantage of this purchase option.

In addition, the new property is more modern and has recently launched trends in the real estate market.

Construction company warranty

Choosing the property on the plant guarantees the construction company’s assistance in cases of leaks or some problems that may arise in everyday life.

There is a warranty period that can be used for these types of maintenance services at no additional cost.

Disadvantages of buying property on the plant

Now, let’s count the cons of buying the property in the plan. This way, you analyze the situation before closing the purchase. Right below!

Delivery time

In fact, lead time can be one of the worst disadvantages of buying property on the floor.

It takes a lot of patience until the property is ready for the buyer to live or rent the place.

Trust in the construction company

When placing your trust in a construction company that can take months or years to deliver the property, you need to be 100% safe with that company.

Therefore, research the history of the developer or builder before closing the deal to purchase the property.

Dissatisfaction with delivery

Many buyers of property in the plant are dissatisfied with the delivery of the final result.

Even if the floor plan is shown to buyers beforehand, sometimes the delivery can be a little different.

Advantages of buying finished property

The finished property is one that the buyer can move to live at any time. In addition, it may be new or have already been inhabited by other residents.

See the advantages of buying ready-made property, below.

For those in a hurry

Those buyers who are in a hurry to live in the finished property are ideal for this option.

Mainly those who live on rent and want to get out of this situation as soon as possible.

Use of FGTS

The buyer can use the FGTS to pay the down payment for the finished property and finance the rest of the value with a bank of their choice.

A great option for those who want to use the FGTS to realize their dream of owning their own property.

More security when buying

Unlike the property in the plan, which you need to trust the construction company, the finished option already guarantees more security.

In fact, even when resolving the property’s documentation, as it is necessary to go to the notary’s office.

Property visitation

One of the biggest advantages is being able to visit the property as many times as you like before closing the deal.

Ideal to go on different days and times to check the property during the day’s weather variations and how the region works at these different times.

Disadvantages of buying ready-made property

From now on, let’s count the cons of buying ready-made property. Thus, you can research and think carefully before choosing which option is best for you.

Property status

If the finished property is new, then the concerns about maintenance and repairs are less.

However, if the property is already a few years old, then check if it has the need for major renovations that bring many problems.

Prepare for expenses

Generally, the bank only finances a portion of the property, so be prepared to have a down payment.

In addition, there will also be a cost with documentation that varies from 5 to 8% of the property’s value.


As we said that one of the advantages of the property in the plan is the lower price, therefore, the finished property is the opposite.

Some prices are usually higher because the property is already finished and ready to be used by residents.

These are the advantages and disadvantages of buying off-plan property or finished property. Think carefully and choose the option that best suits you.

If you have specific questions, please do not hesitate to contact us directly.