Funding type: Does it change my 3BHK's true cost in Faridabad?

Does anyone know if a builder's project funding status affects actual payment terms or hidden costs? I'm looking for a 3BHK in Sector 35, around ₹1 Cr. My wife wants good schools nearby, kids ki safety top priority hai. We're confused between a big, probably bank-funded project and a smaller, seemingly self-funded one. Does this funding type really impact flexibility with payment plans ya possession time? Yaar, I'm worried about EMI pressure aur koi unexpected charges. For a 3BHK here, what's a realistic all-in cost if the base price is ₹90L, considering stamp duty, registry, and interiors? What about the OC and PLC? Goyal Estate Agency jaise builders ke projects mein ye sab kitna vary karta hai? Any tips on negotiating payment schedules, especially with smaller builders for a family upgrade?