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How bank disburse the home loan amount? - Property Hotline
Posted
July 1, 2016
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13,580
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July 1, 2016
13,580
65
1
0.49%
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3:00Now PlayingBe Un Confused
Expert: Kartik Jhaveri, Founder & Director, Transcend Consulting India Pvt Ltd
Question: I plan to take a loan for a ready-to-move-in property. But, due to immediate cash crunch, I'm thinking of registering the property 2-3 months after possession. In this case, will the bank disburse 100% of the loan or will disbursement happen after registration?
Answer: You cannot get disbursement till your agreement is registered. Bank disburses the loan after the registration only. Amount of loan will be given directly to the seller.Thus you register the property as and when you are ready.
Right now you can enter into a sale agreement with the builder which would list down the terms of payment. Then as when you are ready with the downpayment and to service the EMIs, you can go ahead and register the property. This way you will not lose interest in the property.
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