Under-construction homes are a financial trap

Okay I'll be honest — even working in real estate, buying for myself is a whole different beast. Everyone glorifies under-construction for the 'discount' but honestly, it's a financial trap. I know what builders don't tell you about construction-linked plans; they just drain your cash. You're paying EMI on a dream, not a home. I'm looking at a 3BHK, maybe Prestige or Sobha in Whitefield, around ₹1.8 Cr. Is that initial RTM premium really worse than years of EMI on a non-existent apartment, plus all the delay headaches? Change my mind.