I think it is not a simple answer or just matter of calculation. It
depends on 2 factors
1. How you have invested the money in hand
2. How much risk you percieve in builder slipping on the construction
schedule
I personally believe it is safer to go for CLP. You might have saved
couple of percent in down payment, but you have a better control of
your money and an incentive for builder for keep coming back to get
the next installment.
Regards,
Manish
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