regarding loan facility

cheapest is govt bank ,but they mostly give loans to salaried or govt employees only ,provide more info 

Approach any PSB, they are given targets for  home loan/vehicle loan in festive season. If possible try to approach those smaller PSB like Indian Bank, Cannera bank, UBI. Some of the banks have online facility for applying loan Apply there even if you are not eligible they will call you in coming days for offline proceedings. And due to target pressure they will try anything under their power to provide you loan. ROI should be around 8-9% as per yout CIBIL. Better the CIBIL lower the rate.

Is it a apartment flat or house which u supposed to buy?

Have you paid any upfront fee to builders?

Agreement papers will do half the work. You also need to produce papers that land belongs to the builder and if not then the builder has agreement with the land owner.

You are buying house. Builders will be like that and just force you. Dont be in hurry.

1. Did you check if any other flat owners taken loan from any bank? If yes, approach that bank, your process will be easy and save a few bucks as well.

2. Since its your lifelong investment,  if not assume so for the time being, do legal check with lawyer for a charge if 5k-10k. Though banks does it, not all do it thoroughly except a few like sbi etc.

3. If things can wait, diwali time, you get offers like 0 processing, no documentation etc.

4. Approach SBI, BoB, PNB, Canara in PSU, HDFC and ICiCI in private.

5. As fed rates adjusted, chances that banks may reduce interest by 25 basis points for new customers. Once taken reduction process by banks is very slow.

Net, net dont hurry and budge to the pressure of builder.