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A secured loan called Home Loan; that you can take from a bank or any other lending institution at a certain rate of interest. Usually, the concerned property is taken as a security by the lender. Home loan repayments are done through EMI or equated monthly interest which depends on the amount of money borrowed, interest rate, and loan tenure. Most home loans are designed for purchasing or constructing a house/flat on a property, however there are loans for home renovation and extension as well. Most banks offer loans of up to 90% of the total property cost, however, the final sum offered is solely at the lender's discretion and depends on the amount borrowed and certain other parameters.