Rajkot investors, how do you really leverage payment plans?

150 Feet Ring Road keeps coming up every time I shortlist something. I'm currently in a 2BHK near University Road, thinking of upgrading to a 3BHK or a small villa. My budget's around ₹1.2 Cr max. Builders like Balaji Group or Madhav Group have some good projects, but their payment plans are driving me nuts. Honestly, not sure if construction-linked is smarter than a larger down payment for an investor. I've seen some projects where the construction phases drag on forever, and you're stuck paying EMIs for a flat that's nowhere near completion. This feels like a trap for investors wanting to maximize deal value. Is it just me, or do these payment schedules rarely favor the buyer? Trying to understand the total cost of acquisition better. Any tips on leveraging payment terms for a better ROI?