Construction-linked plans are often a trap

My last two investments, both 3BHKs near Sector 77, taught me a lot about payment plans. Honestly, the construction-linked payment plan often feels like a builder's cash flow hack. They lock you in for years, and delays with someone like Earth Infrastructure can really mess with your ROI. I've seen this pattern before. Is it smarter to go for a down payment plan if the builder offers a discount? You pay more upfront but control the timeline better, reducing risk. Or are the early EMI benefits for CLPs too good to pass up?