How the money side sees your project
A bank rarely tells a developer why a file stalled. It says no, or it goes quiet. This column is written by people who take those files in every week and see what happens to them.
Most property coverage is written from the sales side — what is launching, what is selling, what an area is worth. Almost none of it is written from the side that decides whether a project gets funded at all, or whether a buyer's home loan clears in nine days or ninety.
That side has its own logic. It is not mysterious, but it is unwritten, and developers usually learn it the expensive way: after a file has been sitting for six weeks.
The Loan Consultant View sets that logic out plainly.
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September 2026 · 6 min read
Your buyers cannot get a home loan. It may not be the buyers.
Most developers have never heard of a bank's approved-project list, and it quietly decides how fast their flats sell.
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September 2026 · 7 min read
What a lender actually checks before funding a project
The order matters. Get the first three wrong and nothing after them is read.
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September 2026 · 6 min read
Seven reasons a project finance file gets declined
Almost every decline we see comes back to one of these. Four of them are fixable before you apply.
Coming in this column
- The RERA escrow account and what it does to your working capital
- Why the repo rate reaches a home buyer quickly and a builder slowly
- What a bank's technical valuer looks at on site
- Promoter contribution: how much of your own money a lender expects to see first
- Why a group company's default stops your unrelated project
Who writes this, and what they are not. The Loan Consultant View is written by Kamal Thakkar & Co., a loan consultancy that places files with banks and NBFCs in Ahmedabad every week. We are an intermediary, not a lender. We do not approve, decline or price any loan.
This column is published to inform, not to solicit business. Nothing in it is an offer of finance, an invitation to apply for a loan, or advice on any particular project. Lending norms differ between institutions and change without notice — verify the position for your own case with the bank concerned. Full terms are on our disclaimer page.