Hello brothers, I would like to inquire, and I hope that whoever provides information understands. I am eligible for a full mortgage loan with support of 510. I only want to take 400. I want to buy an apartment for 200 and 200 will be cash. However, I don't understand real estate. The question now is, if I present the apartment to the bank for 400, won't the appraiser object?! And how to guarantee the cash from the property owner? I hope for your benefit, may God reward you with Paradise.