I agree with u. I had lots of problem taking home loan with HDFC. They assured me 7 lack of loan when everything finalized they suddenly deducted 2 lack and gave me 5 lack only. I was in a fixed. I didn't have rest of the money to pay the owner. When I requested HDFC to look into the matter as I didn't have money they offered me personal loan. I refused it and somehow managed to arrange 2 lack from friends and relatives.