Скачать или смотреть Paid EMIs for years, but still no home. 💔

Paid EMIs for years... but still got no possession?

That's exactly what happened to my friend - he booked a 3BHK 5 years ago, has paid lakhs in EMIs, yet the flat is still not ready.

Why?
Because he missed one crucial thing before booking - APF
(Approved Project Finance) Number.

An APF number is a unique ID issued by a bank or housing finance company only after the project passes strict checks:
Clear legal title to the land
All government & municipal approvals in place
Approved layout plans
Builder's track record and financial health verified

When a project has an APF number:
Your home loan process becomes faster (less paperwork, quicker approval)

The risk of legal disputes or project delays drops significantly
You have the bank's assurance that the project is credible and compliant
Without APF? You're on your own - facing possible legal hurdles, funding issues, and years of possession delays.

So before booking any flat:
Ask the builder for the APF number.
Verify it with the issuing bank.

This 5-minute check can save you years of frustration.