First of all, any crack is a defect. Secondly it is not due to "settling" it is due to movement or drying out.
Your ceiling crack is strange as it is continuous. Ceiling boards should be staggered.
Secondly, the joint should be taped and jointed and they are unlikely to crack.
So what is the cause? My guess is the water tank in the roof space may not be correctly supported and positioned. Another reason could be the board edges do not line up with a ceiling joist or noggin.
Youi really must insist this is looked at and the cause addressed before you legally complete. Do not be pressured into completing for Christmas!
Aa always my advice is to have your home professionally snagged and inspected before you legally complete. You now have a legal right to do so!
Who is the housebuilder?