I am planning to purchase an under construction builder flat in Bangalore. I have sufficient funds to pay for first 2 installments to the builder that will be 30% of the total flat value. I expect 3rd installment after 6 months. At that time, I will have to take home loan. I am thinking borrowing from ICICI Bank. However, I am stuck at one point. Do I have to apply for a loan before booking this flat or can I apply for loan later?