Home Loans & Finance

Get your disbursal on time.

What fellow owners have learned about staged disbursal, milestones and rates — so you can push back with the right clause and the right proof. Owner-shared experience, not financial advice.

A quick word: everything below is owner-reported experience, not financial advice, and every loan and profile differs. Always confirm the specifics with your own bank before acting.

Questions owners actually ask

Home-loan FAQ.

My bank is delaying disbursal, saying construction isn't far enough. Is that valid? +
It depends on what your loan is pegged to. Banks disburse either on the AOS timeline (the stage dates in your agreement plus the builder's demand notice) or on actual construction progress. If your tripartite agreement commits the bank to the builder's schedule, they generally can't refuse a due disbursal for progress reasons. Raise the specific AOS clause with them.
Is superstructure completion treated as a milestone? +
Some banks count superstructure completion as about 50%. If your tower's superstructure is done, that's a strong basis to push for the linked instalment. Use the Construction page and the latest newsletter as supporting evidence.
What proof does a bank accept for a stage? +
Typically the builder's demand notice, an official progress letter, or geotagged photos. Ask Prestige for a progress letter if the bank won't accept photos.
What are the best current rates — and can I do a balance transfer? +
Owners have shared takeover offers (for example, Bank of Baroda, indicative around 7.20% and up, subject to CIBIL and other parameters). Rates move often — verify the current number before acting.
Owner-reported

Bank comparison.

How different banks have behaved for TPCH owners. Terms change — treat this as a starting point, not a quote.

Bank Disbursal basis Notes owners shared
Bank of Baroda AOS timeline + demand notice Loan takeover / balance transfer offered; rate depends on CIBIL and profile (indicative ~7.20%+).
HDFC Tied to construction progress Reported to link disbursal to actual stage; some owners reported valuation friction.
Your bank? — Add your bank and your experience — reach us in the Owners' WhatsApp group.
Use the newsletter as proof → Open the Document Library →