Rajkot resale deals: The negotiation reality nobody talks about

Honestly, I'm feeling a bit lost with all the property info in Rajkot. We need a 3BHK on Kalawad Road or near 150 Feet Ring Road for the kids' school, budget 80L tak. My wife wants a safe neighbourhood, so we're seriously looking. I'm wondering about secondary market deals – kya wahaan better negotiation possible hai compared to new projects? Like, for a resale flat in Krishna Kunj, can you really knock off more money? Builder se direct deal mein to fix rate lagta hai. Also, bank-funded projects versus self-funded ones, does it affect payment terms or project completion timeline? Any experience with this? Not sure if it's a big deal or not.