Ghaziabad buyers, builder payment plans ki reality kya hai?

Two years ago I'd have laughed at these prices. I work in real estate, but buying my own 3BHK in Vaishali has been a nightmare. This construction-linked payment plan from Gulshan Homz? Matlab, EMI chalu hai but site pe kaam slow hai. It's draining my savings fast. I know builders don't tell you the real story about project delays. Should I have just gone for a ready-to-move unit in Indirapuram, even with higher upfront? What's your experience with these payment traps in Ghaziabad?