Buying a dream home is one of the most important milestones in life, and at Bhanodaya Constructions, we are committed to making this journey smoother and stress-free for our customers. To support homebuyers during the construction stage, we bring you the Pre-EMI Offer, a customer-friendly scheme designed to ease your financial burden until your flat is ready for possession.

Understanding the Pre-EMI Offer
What made the event particularly memorable was the genuine recognition of the contributions of women. Their resilience, dedication, and ability to balance multiple responsibilities with grace were celebrated throughout the day. At Bhanodaya Constructions, women are recognized as an integral part of our journey every day, and this celebration was a reflection of our ongoing commitment to inclusivity and empowerment.
Step-by-Step Process of the Pre-EMI Offer
Here’s how the Pre-EMI process works:
user-review-h1
Flat Allotment: The customer begins the process by paying ₹5 lakhs for the allotment of their chosen flat.

Loan Sanction: The customer submits the required documents to the bank, which then issues a loan sanction letter with the approved loan amount.

Down Payment: The customer pays 10% – 20% of the total flat cost (including booking amount) depending on the bank’s requirements.
Balance Payment Window: Customers have 6 months from the date of allotment to pay the difference amount, which is the balance between the down payment and the loan-sanctioned amount.
Agreements: After the loan sanction, the Agreement of Sale between the customer and builder, and the Tri-partite Agreement between customer, builder, and bank are completed, along with any additional bank-required documents.
First Disbursement: The bank releases the first installment of the loan after customer approval.

Pre-EMI Stage: From the first disbursement, only the interest on the loan amount begins. The builder reimburses this Pre-EMI amount to the customer’s bank account every month until the flat is completed or the loan is fully disbursed.* (subject to individual bank norms)

EMI Stage: The customer starts paying the actual EMI (principal + interest) to the bank only after possession of the flat. *(subject to individual bank norms)
Construction-Linked Disbursement: Throughout the construction, the bank releases loan amounts in stages, as per progress and customer approval.
Customer Benefit: The biggest advantage is that customers save on EMIs during construction, as the builder covers the interest, reducing financial pressure until handover.
Why Choose the Pre-EMI Offer?

The Pre-EMI scheme is designed to make homeownership easier:

  • ✅ No EMI burden during construction: Only start EMIs after you move into your home. *(subject to individual bank norms)
  • ✅ Financial flexibility: Manage expenses better while waiting for possession.
  • ✅ Builder support: Interest reimbursement by the builder ensures peace of mind.
  • ✅ Transparent process: Step-by-step agreements and bank approvals keep everything secure and professional.
A Smarter Way to Own Your Home

At Bhanodaya Constructions, we believe in going beyond just building homes. We build trust, comfort, and financial convenience for our customers. The Pre-EMI Offer is a reflection of our commitment to making your home-buying experience stress-free and rewarding.

Whether you are a first-time buyer or an investor, this offer ensures you enjoy the benefits of your new home without the immediate financial strain of EMIs during construction.