Finally, please note that banks like SBI, etc., do not offer home credit if the JDA is not registered at the sub-registrar`s office. There may be other reasons. The client promises a mortgage from 2nd rung Housing Finance Companies. In some cases, the granting of the housing loan is subject to conditions. Recently, one of the banks sent a message to the buyers of Project A in Pune to close the mortgage within 60 days. The reason for this is a dispute between landowners. Unfortunately, the joint development agreement is not registered and one of the landowners has fraudulently mortgaged the country. My general observation is that, in almost all cases, it is profitable for the landowner to enter into a joint development contract instead of selling land. On the contrary, from the buyer`s point of view, the best possible scenario is that the client should be the owner of the land. It excludes all kinds of disputes related to land or between owner and landowner. . .