Gurugram upgrade: Which payment plan is smarter for investors?

₹2.2 Cr for a 3BHK in Sector 56 is the quote I got from Adore RealTech. I'm currently in a 2BHK near Sector 82 and thinking of upgrading. Already have a home loan, so the new EMI calculation is crucial. They're pushing construction-linked payment plans. But is that actually smarter for an investor like me, ya fir down payment option mein better deal milta hai? Honestly, not sure. I'm worried about the total cost of acquisition. Kya builders later hidden charges add karte hain, even with OC? Want to know if the premium is justified for a 3BHK here.