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A low-density villa launch near Greenwood High from Rs 5.73 Cr. Strong for patient families, weak on commute, and possession is not until 2031.

RBI's rulebooks for banks and housing finance companies share the same LTV caps and stamp duty exclusion, but HFC rules add a fixed three year build period for plot loans, borrower consent before payments to builders, a 60 day exit after adverse changes and a published National Housing Bank complaint route. A side by side guide for Bengaluru buyers.

RBI's Housing Finance Companies Directions, 2025 say an HFC should acknowledge a written complaint within a week, naming the official in charge, give a final response within six weeks, publish its escalation matrix, and display that borrowers may approach the National Housing Bank's Complaint Redressal Cell if there is no reply within one month.

RBI's April 1, 2025 Master Circular on Housing Finance lets banks lend to private builders only through project linked loans, bars them from funding builders' land acquisition, asks banks to guard against land speculation and says prices to buyers should rest on documented land price, actual construction cost and a reasonable margin. What Bengaluru buyers can learn.

RBI's NBFC Responsible Business Conduct Directions, 2025, which cover HFCs, require release of original property documents and removal of registered charges within 30 days of full repayment, at a place the borrower chooses, with Rs 5,000 a day compensation for lender caused delay and an extra 30 days plus duplicate costs if documents are lost.

RBI's Housing Finance Companies Directions, 2025 make HFCs responsible for recovery agents, who must carry the HFC's notice, authorisation letter and ID, contact borrowers only between 8.00 a.m. and 7.00 p.m., avoid bereavements, weddings and festivals, and deal only with the borrower or guarantor. Possession of a flat must follow legal means such as SARFAESI procedures.