hello….i had applied 21 lac loan to SBI WHICH ALREADY SANCTIONED…..MY FLAT IS UNDER CONSTRUCTION…TENURE IS 23 YRS.SBI GIVEN ME MORATORIUM OF 12 MONTHS….NOW MY CONFUSION IS WHETHER I SHOULD GO FOR MORATORIUM PERIOD OR FULL EMI FROM D FIRST DAY…….my confusion is whether i have to make pay a large amount excess if i opt for moratorium