ASBL Loft vs ASBL Spectra — confused between the two honestly

been going back and forth on these two for like 3 weeks now and still can't decide.

both same builder, same FD belt, both 3BHK. but they feel quite different when you actually compare.

Spectra is ready to move. already handed over, no GST thing also which saves something. bigger units, 1980 sqft minimum. but the price per sqft is higher and total ticket size is 2.25 cr plus. and honestly a lot of that appreciation from launch to possession has already happened, so you're entering at current market rates with not much left on the table maybe.

Loft is still under construction, December 2026 possession they are saying. smaller units, 1695 sqft, so the starting price looks lower on paper. but per sqft if you calculate it's not that far behind Spectra. also GST applies on under construction so the effective cost is higher than the headline number. though i heard they do pre-EMI interest reimbursements which helps a bit.

someone on a forum said unit plans in Loft are similar to Spectra, just smaller. and the ground floor concept with co-working, creche, coffee shop kind of thing sounds good if you work from home sometimes.

the 2026 December possession is still a year and a half away. knowing how these things usually go… could be on time, could slip. Spectra being ready is actually a real advantage if you don't want to deal with that uncertainty.

both towers are in same general FD/Nanakramguda pocket so location is similar. broker told me no negotiation in either ASBL project, whatever price quoted is final. don't know if that's true or just sales talk.

what would you guys pick — Spectra RTM at higher cost or Loft under construction with smaller size and some uncertainty? end use by the way, not investment.