Can I avail of a loan in case I am not yet owner of a house or land?

Yes. In case you do not already own a plot of land and have acquired undivided rights on a land as well as a ‘droit de surélévation’ of an existing building, then MHC Ltd can offer you a loan for the construction of a house/apartment on the upper slab of the existing building, provided all parties give their consent to borrow.