[Resolved]  IDBI Home Loan — Processing fees charged twice

my self arvind omprakash tivari i apply for home loan idbi bank from surat ring road branch logined date 3/7/9 pf cheqe clear dated 8/7/9 and bank manegar asking dated22/7/9 rent agreement is faurd so your file is not possible for me dated 23/7/9 my landlord me and my maneger visit to bank and meet to branch head mr jayprakash barve he cheked all document he says i right to letter to bank and your loan is pass on two to three days but not positive reply so i contect dated 25/7/9 area collecter head to mr sanjivkumar ahmedabad and discuss to each and every problam on mobile dated 27/7/9 i meet to mr navabsingh but not possite reply so i next to telephonic discuss mr sanjivekumar dated 1/8/9 online complaint and discuss to mr v arvind complaint department second complainet also third complaint 25/8/9 but not positive reply pls help this metter complaint compalient complaint but not possitive reply arvindtivari surat [protected] pls reply by mail thankig you

Hi Nalini, even I have a booked a 2BHK flat in Unnati woods with an initial booking amount of rs 1 lakh. At time of booking builder told me that I will have to make two agreements since flat was initialy planned as two 1 room kitchen flats. After booking the flat, I came to know through internet that this is a case o[censored]LC reservation for government employees/chief minister quota. Even if some bank might sanction two diffferent loans for this virtual 2 BHK flat, but still its not legal to sell flats which are meant to be reserved under chief minister quota in open market at high rates. Original cost of such flats are rs. 400 / sq feet. So many banks would not sanction loans to non government people for occupying such ULC reserved flats. In addition, there is always a risk in future of living in such flats meant for someone else. All in one, stay away from such flats and such builders.

The ULC clause of Section 20 is what applies to Unnathi Woods.
There are 3 different types of flat reserved under ULC.
1> For govt employees at special rate 'x' (carries a # mark on the approved plan)
2> For LIG/MIG at special rate 'y'
3> For others at full rate similar to other flats (we all fall in this category)
Thus it is not illegal but I asked the builder to prove this and he was not very convincing. Most experts sat this is a regular thing in Mumbai and many people take this option. Only that its better to take a legal check so that the flat is not under the above 2 options. Section 20-1 is a very strict one which is more stringent and section 20-2 is little easy. This I have heard from a legal expert and do not have further details. Though the expert says that get the agreement checked from a lawyer or the Thane Town Planner. Heard even Hiranadani had these type of flats in Powai.
I have fallen into the same confusion as to stick to this option or change. Will be taking a decision soon, any recommendations?