Housing Loan is seems to be complicated. But its most prefered by the bank as its a long term relationship witg customer.

Many commoners due complexities, borrow money from MONEY lenders and struggle. They neither complete the house construction nor pay the borrwered amount.

Use Banks to borrow money , safe abd Secure

List of eligible towns :

https://www.pchf.in/Docs/PMAY-Town-List.pdf