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Date : 16 Jun, 2009 Question My approved loan amount is 2172000 for an underconstruction property from HDFC for which I have been taking disbursements in stages as per construction and paying Pre_EMI .Till now I have taken a disbursement of 1665900 out of 2172000. Now I want to stop further disbursements ( the rest I would manage from my own saved funds ) and start my original EMI as soon as possible. The property is however not fully constructed,would be completed in September 2009 and so the builder is yet to send SALE DEED to the bank and hence Property Registration would also take some time from now Now HDFC is saying they cannot start my original EMI till they get SALE DEED and till then I have to pay Pre EMI. Please let me know if they are citing correct rule and whether I can start EMI Thanks Saurav Ghosh Answer In case if a construction linked plan, you pay the simple interest or the Pre-EMI till such time that the construction is completed. The bank has taken a correct stand. You can approach the lender again and based on your income they may agree for the EMI, instead of the Pre-EMI. |
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