As per the RBI’s direction, all banks are instructed to provide home loans at the 90% value of the property for loans up to INR 30 Lakhs. For more than that limit, the banks may demand 20% of the margin. The above said limit is however subject to within certain geographical limits.
While looking for a home loan, check with each lender for low interest rate and maximum loan amount. However, paying more margin will cut down your interest rate and tenure thus ensuring less debt burden.