The Subvention Scheme saw demand for home loans reach high levels, but on the ground frauds and complaints were keeping on coming in. The reason was that Developers who got access to the full purchase value from the banks and buyers entered into multiple projects and got lost in the tide of overruns. A single project could have a cascading effect on other projects under the same developer. Thus, many home buyers got affected across the country with large developers like DLF and Unitech defaulting on projects and delivery schedules. This led to many homebuyers being owners of properties that would probably not see the light of day. Also, the banks held the buyer responsible for delayed projects where actually the developer defaulted and moved off with the money. As a result, in 2013 a ban was imposed on the Subvention Scheme by the government of India. Now a plan is afoot to reintroduce it with a change where the banks pay the developer with the progress in the project rather than paying the full amount in advance.