You must be aware of the BS-VI norms which will kick in next year, therefore the carmakers are preparing for the upgrades of the car once the norms are about to be standardized. The BS-VI vehicles will be eventually costlier due to the increase in the cost of production. However, the produced vehicles which are BS-IV complaints will have a crash by the time the BS-VI vehicles come out. The choice to go for the currently going Volkswagen Tiguan depends on you or even you can wait until the BS-VI norms pop out.
In general, the down payment remains in between 20-30% of the on-road price of the vehicle and ROI varies between 9.25-11.5% and it totally depends on the CIBIL/Credit score of an individual. So, we'd suggest you walk into the nearest dealership to know the final finance quotation and documentation as they will be the better people to assist you. You can click on the following link to see the details of the nearest dealership and selecting your city accordingly - Car Showrooms
So far, the brand has not made any official announcement on the launch date of Taigun, but it can be expected in mid of 2021 and after its launch only, complete details would be possible to share. Also, it would be too early to compare it with ongoing cars. So, we would request you to wait for its launch so that we can share a fruitful comparison with the T-Roc and other cars.