Can I get a disbursement before I put in my own money?
No. However, in cases, where you avail of finance from a source like Provident Fund, which generally takes a long time to get disbursed, some Banks agree to partly disburse the loan.
Yet it is necessary to put in some money towards the property before you avail of a part disbursement. You also need to produce adequate evidence that you have got the source of funds (for e.g., a sanction letter in case of a loan from the PF office).
Also, in certain cases where the under-construction project is pre-approved the Bank may be willing to allow you to bring in your proportionate share of every disbursement rather than insisting on bringing in your entire contribution upfront. Learn more about home loans here.