Brought a property in 2018,to be completed by 2023. Got delayed due to Covid and date shifted to 2027 year end. Before the builder was suppose to provide for financial loans but got cancelled and asked to look for alternatives. Fast forward 2025 ,30% payment is done but for the rest applied with the bank and my application got rejected. Was told by the builder they will cut 12%. How do I get most of my money back ??can understand certain percentage cut but 12% is big .