Ans: Lenders retain a margin of 20-40% of the assessed value of the property and lend for the remaining value. For eg. If the assessed value of the property is Rs. 50 lakh, and the lender decides to hold a margin of 30%, the maximum amount of loan that you can avail is Rs. 35 lakh. This decision is also based on the credit profile of the borrower. If the borrower has a good credit score, the margin retained by the lender may be lower in comparison to a borrower with a low credit score.