Available for home loan without municipality permission plan . if you buy independent house without plan copy you can give last 5 Years property taxreceipts , then you can get home loan . A mortgage is a loan in which property is used as collateral. The borrower enters into an agreement with the lender (usually a bank) wherein the borrower receives cash upfront then makes payments over a set time span until he pays back the lender in full home loans , mortgage loan , loan against property , housing loan , home construction loan , flat purchase loans