Load and store prefabs at runtime from external directory

Hello

I try to manage manage dynamically prefabs that my application can load. How load at runtime some prefabs store in external repository of the application ?

Is "Resources.Load" can help me for this use case ? I don't know if prefab must be in Resources folder at compilation.

Can I use "File.Create" or "File.Open" to store and load prefabs with something like this code ? I don't know if prefabs can be serialize completely (3D object, position, texture, ...).

 BinaryFormatter bf = new BinaryFormatter();
 FileStream file = File.Create(Application.persistentDataPath + "/test.prefab");
 bf.Serialize(file, save);
 file.Close();

Thanks for your help :)