Construction-linked payment plans are a total scam

Sector 31 — been looking at properties there, mostly M3M projects. Fed up of renting, my landlord just raised rent again, so I'm finally taking the plunge. Trying to figure out construction-linked payment plans. Builders push them hard, but is it really smarter than a lump sum down payment? Seems like a huge risk if construction delays, which happens a lot in Gurugram, right? What if it drags on for years, am I stuck with EMI on an incomplete home? Also, the super area vs carpet area thing is confusing. Feels like they're inflating numbers. How do you even verify the carpet area effectively before signing? And pre-launch pricing — is it actually a discount or just FOMO? Heard stories about prices dropping later. Any advice on M3M's payment terms or checking carpet area? What should I watch out for?