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Banks who provide Home Loans are now insisting on construction –linked disbursal of funds to new projects, as they look to make developers more accountable after getting stuck in several stalled projects.Large number of developers have either stopped construction midway or slowed down due to shortage of funds in the recent recession in Real Estate Market. According to experts Buyers in such projects are in a difficult situation, they have to pay monthly installments to-wards the loan with outs getting the possession of house, plus they also end up shelling out monthly rents during that period.

Some Developers initially used to offer homebuyers up to 10% discount on up front payment and then these developers subsequently diverted substantial part of funds to other projects. In Construction-linked payment, the home finance companies or banks do not release the funds up front. They release and the rest is disbursed as per the progress of project. Because of this now many developers have changed the payment schedule to construction-linked as against up front payment option. Market experts say this is good for the Real Estate industry as there is less risk involve now for both banks & home buyers.

Retail and real estate are the two main sectors of Indian economy in the present times, and if experts are to be believed, the prospects of both the sectors are mutually dependent on each other. Retail, one of India’s largest sector, has presently emerged as one of the most dynamic and fast paced sector of our times with several players entering the market. As the contemporary retail sector in India is reflected in sprawling shopping centers, multiplex- malls and huge complexes offer shopping, entertainment and food all under one roof, the concept of shopping has altered in terms of format and consumer buying behavior, ushering in a revolution in shopping in India. This has also contributed to large scale investments in the real estate sector with major national and global players investing in developing the infrastructure and construction of the retailing business. One of the  factor in the prospects of the retail sector in India is the increase in the young working population. In India, hefty pay-packets, nuclear families in urban areas, along with increasing working-women population and emerging opportunities in the services sector. These key factors have been the growth drivers of the organized retail sector in India which now boast of retailing almost all the preferences of life - Apparel & Accessories, Appliances, Electronics, Cosmetics and Toiletries, Home & Office Products, Travel and Leisure and many more. With this the retail sector in India is witnessing a rejuvenation as traditional markets make way for new formats such as departmental stores, hypermarkets, supermarkets and specialty stores.

India is being seen as a potential goldmine for retail investors from over the world and latest research has rated India as the top destination for retailers for an attractive emerging retail market. India’s vast middle class and its almost untapped retail industry are key attractions for global retail giants wanting to enter newer markets. With over 1,000 Hyper Markets and 3,000 Super Markets projected to come up by 2011 in India presents international retailing specialists with a great opportunity.