Malik Infrahomes Sector 63: Payment plan dilemma

Payment plan mein construction-linked smart move hai ya down payment better rehta hai for a first-time buyer? Malik Infrahomes ke project dekh raha tha Sector 63 mein, ₹85L ke aas paas 2BHK pad raha hai. Builder bol raha hai CLP mein interest kam lagega, but parents bolte hain down payment se total cost kam hoti hai. Honestly, not sure which way to go. Aur yeh super area ka chakkar kya hai? Carpet area aur super area mein kitna difference expect karna chahiye Greater Noida mein? Samajh nahi aa raha.