How do home loans work? Most lenders require 10-20% of the home's purchase price as a down payment from you. It is also called 'one's own contribution' by some lenders. The rest, which is 80-90% of the property value, is financed by the lender. The total financed amount also includes registration, transfer and stamp duty charges home loan , flat loan , mortgage loan housing loan, loan against property , building construction loan , mortgage loan process , independent house for sale in hyderabad