No. When determining home loan eligibility, SBI considers only the value mentioned in the agreement of sale. This includes the cost of amenities and other related property costs. These may include one-time maintenance fund, development charges, electrical fittings, generator charges, clubhouse membership, GST charges, and one-time charges from utility boards.However, costs like stamp duty, registration charges, and other documentation fees are not included in the property value for calculating SBI home loan eligibility.