I thought I understood payment plans until Savfab

Okay, I'll be honest — I thought I understood payment plans until Savfab Developers in Lohia Nagar. Upgrading to a 3BHK, around ₹90L. Is construction-linked smarter than a down payment plan for investor ROI? With rising interest rates, I'm unsure if stretching EMI makes sense. Does a lower initial payout give better leverage for total cost optimization?