The plot can be covered by the ASP loan, but in this case construction must start within six months of purchasing the plot. The required savings (10 per cent) is calculated based on the total amount including the plot and the cost estimate. Even if the plot were purchased using interim financing, construction must start within six months of purchasing the plot. If this deadline is not met, the ASP loan cannot be utilised. This is why it might be wise to use some other form of funding for plot acquisition and the ASP interest subsidy loan for construction. If you have already fulfilled the terms of the ASP scheme at the time of purchasing the plot, it is assumed that you will be using funds from the ASP account to purchase the plot. If there are funds remaining, the funds are used for construction next.