The home loan industry is at a fix, not because people are shying away from taking new home loans but because there is a quiet lull in this industry. With builders keeping on and on there is no way houses are selling. Who will have the last laugh, the borrower or the lender?the home buyer or the home builder? The home loan industry was booming a few years back when everyone was applying for a home loan and with the tax benefits not just people who needed home loans but also those who could afford buying homes outright, were applying for and repaying home loans.There were lots of benefits involved in home loans earlier but now the situation has changed totally. The true picture now is that people are afraid of taking any loans . Financial instability and job insecurity are two major drawbacks everyone is facing. The rates of property are shooting the sky and once a flat of one room kitchen was affordable but now even small flats are worth lakhs of rupees. Wonder who will have the last l...