Budget finalised, loan pre-approved — ab stuck hoon payment plans pe

Budget finalised, loan pre-approved — ab stuck hoon payment plans pe. Blessings Homz, Sector 153 Noida Extension mein ek project dekh raha hoon. Builder construction-linked plan (CLP) aur ek 20/80 down payment option de raha hai. CLP mein EMI jaldi shuru ho jaati hai, but risk kam lagta hai. 20/80 mein initial outlay zyada hai, but completion tak thoda relief mil jaata hai. What's smarter for an investor in Noida Extension? Also, brokers claim they can get better deals, even spot discounts, compared to going direct. Is this true for Noida Extension, especially with builders like Blessings Homz? Ya builder direct jaane pe bhi same negotiation space milta hai? ROI maximize karna hai, toh which route is better? Your experiences would be super helpful.