Its not about inflated cost. It removes your ability to get a higher loan amount, . And increases the risk in the transaction as the cash component is now not b

Its not about inflated cost. It removes your ability to get a higher loan amount, . And increases the risk in the transaction as the cash component is now not backed by any documentation. And finally, it increases any eventual capital gains you have to pay unless you again perpetuate the cycle by taking black money.