Which private investment sector would a maximum loan be obtainable from a bank against home mortgage ?

the criteria on which the banks give a loan against home, would be measurable on what parameters, market value or purchase value and mark up of appreciation

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HI i have worked with centurion bank of punjab.. mortgage dept.
it funds 60% of the market value of ur home..
in case of icici they go for 80% funding..
normally market value is considered as the criteria of giving loan..
this market value is calculated by the experts hired by the banks..

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