Construction-linked plans are a builder's trap.

Last year we started looking for a 3BHK in Sector 35 for the kids. Goyal Estate Agency ke payment plans confuse kar rahe hain. Construction-linked payment (CLP) vs down payment – which is actually smarter for an end-user? Builders CLPs ko flexible bolte hain, but is it just a trap for hidden costs? EMI ka stress pehle hi hai. Koi real catches toh nahi hote CLP mein? Advice please.