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HDFC being greedy af. home loan

saver-user

TF Premier
VIP Lounge
So my loan is ready to be disbursed but hdfc drops the bomb now. says i need to select pre emi option only as they dont provide full emi for under construction properties. now selecting pre emi causes me a loss of 6 lakhs.
i want to know did anyone get full emi? for under construction if yes then which bank and branch/ city
 
I guess no bank allows this for under construction property

All banks take pre EMI for under construction property
ya i guess so.. anyways what happens if i pay extra on top of pre emi? like pre emi is 10k i payy 70k. rest 60k will go to principal? no bank has clear answer for this
 
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