Need some help understanding home loans

So I couldn’t find any sub and want to understand this.

Can I get a home loan based on market value of a property. Usually in India, the registration is 30-40% of market value.

I want to buy a house and want to get a home loan on market value. 1 - Is it possible? 2 - If yes, let’s say I wan to get a home loan of 80 lacs and market value or the house is 1.2 cr. Can I get it? 3 - If not, how much max loan can the bank provide me?

If it helps - I am a salaried employee and I want to take a joint home loan combining me and my brothers salary.

Need help understanding this. Any kind of help would be appreciated. Thanks in advance.