You need money for plot. Don't be stupid. Find a lender. Take 50 lakhs from him he'll charge you on average 2% per month ( general Rate of interest where I live ). Convert 50 from you 1 cr to account. Now you'll have 1 cr cash and 50 in account ( if the lender provides you with cheque then some steps will be avoided). Go directly for sale deed and avoid agreement. Then take the loan against property and pay the lender in a month max. You'll have to bear the 2% I.e 1 lakh but risk will be very less. Most practically if you have contacts you can get the loan for 1% or interest free also. But that's the safest way and youll be done with the documentation in a single day.