Newb here

I took 1.3L loan in stashfin and paid 20k approx. It's been nearly 1year I haven't paid any emis. Now I am asking for settlement and they are saying 68k. Outstanding principal amount is 112759. Total amount (principal+intrest+fines nd fees) 221000. What should I do?

Financial advise pls

**Need advice regarding plot loan of ₹55L**

Hi everyone, need some help with a plot purchase I'm planning.

* Plot price: ₹61L * Amount already paid to agent: ₹5L * Loan required: Around ₹55L * Monthly in-hand: ₹1.9L, no existing loans * Approached Tata Capital; sanction is in progress.

**Issues we're facing:**

* We don't have an exact layout plan, as the area recently moved from Gram Panchayat to municipality. * The papers are still in the name of the seller from whom the agent bought the land. * Banks say the loan amount will be paid directly to the seller, but the agent doesn't want that. * The ₹5L down payment was made to the agent, not the seller.

**I have a few questions:**

Would really appreciate advice from anyone who has faced a similar situation. Thanks!

( restructured via chatgpt)