Plotting a crime that is the main focus of a story and plotting the story itself are two different things. I apologize if this has already been stated above; I read nearly all the replies and didn't see it.
If the crime that is the focus of your story is a spur-of-the-moment thing then there's not going to be much of a story to tell. That type of crime USUALLY gets solved pretty quickly in RL because someone who knows the person who did it blabs to somebody else, or the perpetrator left an obvious trail of clues, or something like that.
A planned crime of any type involves a LOT of planning unless the perpetrator is unusually foolhardy. Even if several guys run into a bank at noon, fire a gun at the ceiling, and yell "Everybody on the floor!"-- well, there were usually hours and hours of planning involved in that-- again, given that the criminals are not total dumbasses who just want to die in a hail of police gunfire.
A complex robbery, burglary, murder, etc., has to be planned and rehearsed or the criminal's chances of getting clean away with it are slim, especially in this day and age when there are cameras absolutely everywhere. Therefore, to write about a crime and how it is solved does involve a certain amount of planning or the whole story is gonna look slapped-together.
A crime of passion could lend itself to a story if there is an elaborate cover-up that follows-- again, someone has to do some planning.
Therefore, the writer who writes about these crimes and how they are solved DOES have to plan the crime from the criminal's point of view-- because even stupid criminals typically take measures to keep from getting caught. I don't generally read mysteries but it's easy to tell when an author has just pulled something out of his... er... thin air to help the protagonist solve the crime.
As for the narrative, the characters, how they interact, and what happens before and after the crime-- I don't suppose it's as important to graph all that out, that can be more freestyle. But if a story is about a crime, then you have to outline at least the crime and how it went down, or you'll end up with a less-than-satisfying result.
I hope this was helpful!