Refund after cancellation of Flat

Hi . I have recently cancelled my flat which was booked in 2015 . Based on the progress from last 1 year , builder managed to complete only 1 floor out of 26 . Plus based on his flase commitments and intentions.I decided to go for cancellation . Total Amount paid to builder is 5 lakhs on booking plus 16 Lakhs disbursed from bank. As per builder buyer agreement , if I cancel the flat that 10% of total cost of flat will be deducted and rest of the amount will be refunded in installment. I have been following up with my builder from more than a month for refund . I have received a email stating amount will be refunded in 5 - 6 months which I can not accept at all. I need your advise for below points . 1) I had taken a subvention scheme based on which builder was liable to pay EMI to bank till I get the possession. Since I have cancelled my flat , builder has stopped paying EMI . should I pay emi to bank till the time builder refund me 2) except consumer court what could a legal option