Allgemeines Diskussions-Forum » Is reconstitution of Property mandatory?

I have two running Home Loans from SBI for the past 3 years on two adjacent properties.
We have two adjacent House properties, which we have combinedly constructed into one. When we purchased initially that time also it was in same situation only and both were combined into one Home.
The loan was granted that time however now when I visited the SBI Loan Sales Team, then they are saying that we need to first get a Home reconstitution form from Housing Board and make the combined property as one House only, then only process could be initiated and also the current running two seperate loans on both seperate properties would be combined into one.
Home Loan Taken: 14 Lakhs (1st Loan = Rs. 8 Lacs and 2nd Loan = 5.5 Lacs), both were issued at the same dates while purchasing properties.
O/S Amt : 10.30 lakh
Top up Loan Require : 3 lakh
All installments are duly paid regularly via ECS.
I'd like to know if I will get a top up loan from SBI or any other bank. How will banks check eligibility? Please do let me know the procedure and factors to be checked before applying for top up loan. Also, please advise if we need to go for the reconstitution situation then what are the formalities and how much time would it may take.
Thanks alot for any suggestions and advices. Really need it.

I didn't find the right solution from the internet.

References:

https://forms.banza-ar.com/t/

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