Once you have selected the bank you want to do business with, sit down with its officials and get a pre-approval for the loan before committing on the property.
Banks will only disburse the loan after you have paid stamp duty and registration, and your share of the money.
Do not pour all your savings on the loan. Keep a buffer amount in the bank for emergencies. Remember you are committing for the long term a significant amount of your earnings to repaying the loan.
There is no harm in going for a longer tenure. If you get a pay hike or a bonus, you can always pre-pay your loan. This will bring down your tenure drastically.
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