http://www.bankerbanker.com/articles/Home-Loans_Summary.html
In general terms, a loan implies a financial relationship between lenders and borrowers. Firstly, the borrower receives a sum of money from the lender which he/she must pay back later with the interest on the original debt. A home loan is a credit given to buy, build or remodel a house or other immovable property. Banks request to secure the loan by an immovable property, mortgage or surety. This kind of loan only borrows money equivalent to 80% of the property that serves as secured. More about this kind of loans is available in this website. en-us