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how to decide need for a basement

Can somebody tell me the pros and cons of building a basement in the house? I cannot forsee the need for basement in near future but I can affford making it right now--is it advisable to go for it ? The house to be built is 3 storied with stilt parking as per the current trend--kindly guide-- if I have to choose between constructing the top floor and basement -- which should be the preference??.
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