Ghaziabad investors: Payment plans and hidden costs – your take?

Krishna Vihar – been checking out projects here for a bit now. Honestly fed up of renting, the landlord just hiked it again. Finally taking the plunge to buy, probably a a 2BHK around ₹60-70L. I'm looking at New Tech Group's project there. My main thought is payment plans. For investors, is a construction-linked plan smarter than a larger down payment? Trying to maximize my deal value, you know, especially with the Delhi-Meerut Expressway connection making the area more interesting for rental yield. Also, what are the common hidden charges that only pop up near possession in Ghaziabad? Things like maintenance, club fees, PLC, OC, I'm trying to factor in everything. Don't want any nasty surprises at the very end. What's been your experience, especially around Raj Nagar Extension or similar zones?