بسم الله الرحمن الرحيم
(Fatwa: 461/417/H=3/1439)
First of all, you should pay the zakah which is due on you and on your husband and buy the house later. And it is better not to buy such splendid house which makes you to borrow twenty lakh rupees.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband
