Partially true. Off-plan buyers carry real risk: construction delays, developer insolvency, specification drift between contract and delivery. These risks drop to zero at handover.

But asset quality risk does not disappear at completion. It becomes visible. Structural defects, thermal envelope performance, and mechanical installation issues were present during construction — buying a completed unit without an independent inspection substitutes the appearance of certainty for actual due diligence.

The pricing argument runs the other way: off-plan buyers in well-positioned Romanian projects typically pay 5–10% less than post-completion buyers of the same unit. If the developer has a verifiable track record — previous buildings you can physically visit and inspect — that discount represents real value, not just risk compensation. For sure this will be the case with the boutique residential building apartments, Mosaic Residence Bucuresti (www.mosaicresidencebucuresti.ro)

The correct question is not when to buy. It is whether you have verified what you are buying. A pre-handover inspection by a qualified professional is more diagnostic than the construction timeline.

Reality: off-plan with due diligence beats completed without it.

If you want to model both scenarios for a specific unit, I am happy to walk through the numbers. Details at mihaelaoroian.com.