Money and loans
Practical lessons from Indian sites, for people building their own house.
- Construction loans are released in stages; plan payments to match.
- Keep every GST invoice — they support loan disbursements and future valuation.
- Materials are roughly 60% of cost and labour 25–30%; don't cut labour quality to save money.
- Lock steel and cement rates with suppliers when prices dip; both fluctuate.
- Track spending weekly against the BOQ.
- Specify brands in writing so they can't be swapped mid-way.