Queries regarding 'termination of agreement' clause in agreement

Hello, As per agreement I was supposed to get possession in January 2019 but builder postpone possession till March 2022. 1. As per agreement's 'TERMINATION OF AGREEMENT' clause, If I terminate the agreement, Developer will refund me the amount I paid so far without any interest and after deducting the administrative expenses to the extent of 10% from the amount so received and after deducting the amount paid towards the Stamp Duty, Registration, Legal Charges and the amount paid towards the taxes such as GST, on all the amounts. Also that amount will be refunded when same unit will be sold to someone else & as per payment received from him. Please let me know if RERA instructs Developer to terminate the agreement, then will above clause be applicable? Will I have to suffer 10%-20% loss & have to wait for unit to be sold to someone else to get my money back? Also suggest alternative ways with which loss will be minimal. 2. I was against payment schedule in agreement & conveyed same to Developer. Developer agreed over mail to follow different payment schedule. I followed that schedule which was there in mail. Can I be considered as defaulter as I haven't followed the payment schedule in agreement? 3. As there wasn't any progress in construction, does buyer have right to deny payment to Developer? Thanks, Swapnil