Reserve Bank Of India [RBI] — emi in pre-emi mode as idbi didn't give the documents

Sir, i dipesh shah and ruchita bavishi had purchased the house in sjr luxuria from gopi krishna reddy. The. Owner had an ongoing loan in idbi bank. The loan was closed on 23rd march, 2020. Idbi has not given the documents back till now. We have taken a loan from hdfc to purchase the house. As idbi has not given back the documents, so we are paying interest without even starting the emi. Can you help here? Can the pre-emi interest be considered part of the actual interest because of the covid situation?