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And if you try to buy that newly constructed industry that messes up your plans, you can/will trigger an auction for it that can drive it's price up even more.
So if you are not ready (have enough cash) to build that industry, change what your trains are delivering there so that it stops growing until you do have the cash you need. This is one of the advantages of not maxing out on your loans/bonds, so you can borrow money when you really need it.
Added: However, in some cases where the new Industry does not get the raw materials it needs quickly, I have been able to buy a Weaving (Cloth) Factory that would have cost me $500K for about $297K a little while afterwards. Although that does not solve the problem if you wanted to build a Lumber Mill there and the Cloth in a different city. The best idea is stop growing the city but cutting deliveries to it, until you have enough money to build what you really want there (and have the demand available for the goods it produces as well, so it is possible to build that type of Industry).