Mahesh, You have to also ask the bank you approach if they would disburse the loan amount sanctioned to you EVEN WITHOUT LODHA PROVIDING YOU WITH CC & APPROVED PLAN OF YOUR FLOOR ? Most banks dont do disbursement unless CC & Plans are given to them. This is very important other wise you will be required to shell out much more than what you have planned and Lodha will show no mercy about payments on slabwise basis. Be very very careful about this. Many of us are suffering due to this anomaly. Vora