The rich actually worries about leaving too much money to their children. The poor worries about leaving none for their children.
Too much money is not always good, because money complicates matters.
The money you pay to the bank as interest has zero percent chance of it returning back to you. Save on that and reinvest that on any other things. Now that is lean financial management.
A bank only lends you money when you do not need it.
You should not leave your housing loan aside after getting it. Learn to keep track of it every six months, or retain an advisor, such as a mortgage consultant or broker who can help you to do it. You will realize you can save quite a large sum of money throughout your loan tenure.