Chennai ku miga arugamayil oru plot vanga porom

We are planning to buy a property that will cost **40 lakhs**. We are dealing directly with the landlord, and no brokers are involved. The owner wishes to receive the amount only in cash and has given us two months to arrange it. *With our current savings and by mortgaging gold, we can accumulate close to* **20 lakhs**. My monthly income is **2 lakhs**. I am considering applying for a loan for the remaining amount of land property. I have heard that land loans are harder to obtain than house loans. Here are my questions: 1. What details and documents do banks require? 2. What are the criteria for loan approval? 3. If approved, how long will it take for them to process the loan and provide cash? 4. Will they disburse the full 20 lakhs as a single loan, or will it be provided in installments? 5. Which banks are easier to work with when applying for these loans? (I have only looked at interest rates and other metrics and have not yet contacted any banks.) 6. Do you have any suggestions or advice that could help me in this process?