Also called: LTV, LTV ratio, Margin money (the part you pay)
The share of the price a bank will fund. Usually 75–90%, with the rest coming from you in cash.
How it works and what to check
The Reserve Bank caps how much of a home's value a bank can lend: up to 90% for loans up to ₹30 lakh, 80% above ₹30 lakh up to ₹75 lakh, and 75% above ₹75 lakh. Lenders can, and often do, lend less.
The value is the bank's assessment, which may be below your price, and stamp duty and registration are generally left out of it. The rest is your down payment, often called margin money.