hi i am buying house . its market value is 30 lakhs but house owner and we agreed to 25 lakh. i am taking loan from bank and showing full value. so i can get 80% for property amout which is approx 24 lakh .. how should we create agreement. house owner is ready for 30 lakh agreement .. but he want to create another agreement in which he can show we have purchase house from him in only 25 lakhs.... . is there right way for doing that deal.