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The Bank disburse the full amount of loan in a single installment by knowing that the flat is under construction

Location/place: Kolkata

Dear Sir,

I took a home loan from IDBI bank of Rs. 570,000/- vide loan A/C No. “0012675100027566” and which was disburse on 12th October, 2012. The Bank disburses the full amount of loan in a single installment by knowing that the flat is under construction.
That time I raised the question, but they replied that the flat will complete by 30th November, 2012.

Today is 5th December, 2012, yet the 40% work is pending. As proof I am sending you few photo of my flat.

So, please advise me why should I pay installment on full amount while I am staying in a rented house because my flat was not completed.

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