Please guide me...

Dear Sir / Madam, I Doing Small Business. In 2013 I Bought A 3 BHK Flat In Pune. From NBFC I Took A Home Loan. After Few Months I Got A Call From Marketing Division Of One Of The All Banks And After Little Bit Discussion (Coz I Need Finance For My Business) In Next 2-3 Days That Bank Loan Representative Person Came My Side And After Checking The Papers He Said That His Bank Can Give Me A Loan Of Rs. 1.45 ~ 1.50 Cr. But One Condition All Types Of Loans Will Be Closed & After That Bal. Amount Will Be Disbursed To Me & This Loan Will Be Treat As L.A.P. Loan Tenure Will Be 10 Yrs. On Overall Study After All Closing I Will Get Extra Funding Around Rs. 40 Lacs For My Business Purpose. So I Thought It's A Good Decision & Then I Gone Ahead. After All Closing Of All Types Of Loans (Loan Closing Amt. Rs.1.08 Cr.) Bank Suddenly Changed From Their Proposal And They Give Me Loan Of Rs. 1.20 Cr. So Coz Of As Per Closing Amount I Only Get Extra Funding Of Rs. 11 Lacs. Also Get Heavy EMI Burden In Every Month. Sir / Madam, From That Year i.e. 2013 To Till Today (Approx 4 Yrs. Span) I Paid All EMI In Every Month. Now A Days My Business Gets In Financial Trouble Situation. So What Can I Do? Some Facts... * I & My Family Don't Want To Live This Kind Of Heavy Burden. * In That Flat I'm Currently Living With My Family. * Due To Heavy EMI I Can't Sustain Any More. * Can Bank This Bal. Amount Loan Will Be Convert In Housing Loan? So I Can Get Very Much Lower EMI Upto Rs. 70~80 Thousand Per Month. * Request You, Please Guide Me Asap. Waiting For Your Reply(s).