Critical thing to address while in discussion\negotiations - before paying even a rupee: They increment the cost/sq.feet by Rs.100 each couple of months. Presently all banks aside from SBI will handle the advances at this expanded cost, without inquiries. You ought to ask them: a. In the event that SBI would handle along these same lines. b. They will say "yes sir. 100% beyond any doubt". At that point you ought to as them when was the last time they have sent their cost to SBI for evaluation?* It is imperative point to get illuminated, to maintain a strategic distance from a major stunner from SBI, which will come as a’reduced advance’ in view of the above issue.