I had booked a flat in Tambaram Project under Doshi builders on in july after paying Rs 1lakh as the booking amount. Subsequently, I had paid another Rs 3lakhs in september which I was told is the installment amount to be paid so as to enter into a sale agreement with me for this contract.Though I called up lot of times for the same it was told to me that the preparation of sale agreement will take time. After the sale agreement was finalised I was supposed to apply for the loan amount and thus proceed with the project. I was working with Fidelity. I have lost my job now. I need to cancel the booking. I want to cancel my booking but my builder is saying I will lose 10% of the total amount i.e Rs 40,000. I am ok if I loose Rs 10,000. Can somebody advice how to go about this?