Query for VISA interview

Hi,

I am planning for spring 2017.
I am getting a loan of 25L from bank without any security.

1. My question is during visa interview will the VISA officer will be convinced by the bank loan as i do not have any other source for funding.

2. If i take a loan of 40L with some security will that be enough for VISA interview? Because i will not be actually using that much for my MS.

Please suggest.

Thanks