🏢 Real Estate & PropTech · Sequence
Home Purchase and Loan Sequence
The steps between buyer, builder, bank and registrar when buying a new flat with a home loan.
Drawing diagram…
What this diagram shows
- The bank does legal and technical checks on the property
- Disbursement goes to the builder, not the buyer
- Registration happens only after full payment arrangement
Prompt used
Home purchase sequence: the buyer books a flat with the builder and pays the booking amount. The buyer applies for a home loan; the bank checks the buyer's credit and runs legal and technical verification of the property. The bank issues a sanction letter, the buyer signs the sale agreement, and the bank disburses the loan to the builder. At possession, the sale deed is registered at the sub-registrar's office and the bank holds the original documents.
Mermaid code
sequenceDiagram actor B as Buyer participant BLD as Builder participant BANK as Bank participant REG as Sub-Registrar B->>BLD: Book flat, pay booking amount BLD-->>B: Allotment letter B->>BANK: Apply for home loan BANK->>BANK: Credit check BANK->>BLD: Legal and technical verification BANK-->>B: Sanction letter B->>BLD: Sign agreement for sale BANK->>BLD: Disburse loan B->>BLD: Pay own contribution BLD-->>B: Possession offer B->>REG: Register sale deed REG-->>BANK: Original documents deposited
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