Personal Loan or Home Loan?

I am looking for investment and own home in Pune. I would like to know my best loan option. Should I go for a personal loan of AED 2 lakh with a 6-year tenure or a home loan in India with 10-20 years tenure? What are the taxes levied on NRIs and what will be applicable for me while purchasing property in India? I am planning to stay in Dubai not more than 5-6 years.

I am married and my wife is a housewife. We have a 6-month old daughter. Education and cost of living in Dubai is very high and will be inflationary for the next 5-6 years. I am staying with my family in Dubai in rented premises.

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