I have booked an under construction appt(totally 52L), which is planned to be completed in 2 years. I have 35L in FD’s & can adjust 5L more. Intend to apply house loan for 12L for say 5 years. I can save about 25K per month approx. Can you please suggest the optimization – how much home loan I must apply & the tenure for the same? Assume interest earned on FD’s will be tax free as its in name of my parents. I come in 20% tax slab, intend to get income tax exemption for the same.