Home loans are a long term commitment and it is one of the few ways that the average Indian is able to afford a house to call their own. But it is not just the home loan principal and the interest rate that you need to worry about. In fact for starters your home loan will probably cover only 80% of the property value, while the remaining 20%, which is equal to the down payment will have to be borne by you. In the following infographic, we will list some of the key charges that you need to keep in mind before opting for a home loan to buy your dream house.