Hi,

I have purchased under construction apartment and took SBI Yuva Home Loan of Rs 20 lacs in Nov 2012. Till now bank as disbursed Rs 19 lac all EMI to build is completed, last EMI to build for 80k during position most probably Jan 2015. I am paying full EMI to back of Rs 20.5k since Nov 2012.

My Query is there are some extra payment out of property cost which i have to pay during possession, like electricity, generator, Maintenance, ST & Vat, Registration – which is coming around Rs 7Lacs. In My homeloan account it showing around 4Lacs available balance.  Can I ask Bank to pay remaining Rs 7 Lacs by doing some adjustment or increasing my loan amount? Is that possible?

Thanks

Sumit