They are the same ba? Is there any "realy" 10% loan? I think it is the home equity loan ba?

I think each month, you pay the two loans. They may come from differnt lenders.

yes, you can, and you should find out more details from a loan agent.

10% of the total price can be either home equity loan or home equity line of credit.  and likely it is from a different lender than the 80% loan.  you will have to pay for both each month.

http://www.360financialliteracy.org/Life+Stages/Home+Ownership/FAQs/Financing+And+Home+Equity/Whats+the+difference+between+a+home+equity+line+of+credit+and+a+second+mortgage.htm