Vijay a peon working since past 10 years and had saved some money and also has some investments. Though small amount this all did matter when he decided to get married. The decision to get married to a school lady helper was the right one, as he had already decided to get married to a working lady. Having a simple marriage and clubbing all gifts as cash he conquered the first fear every home loan borrow has, that is to collect the amount for down payment. With marriage began the thought of owning a home as they lived in a joint family with his brothers and their family. Living in a single room and kitchen was more of an adjustment but both were happy and positive with the arrangement. They all knew the limitations but this did not stop them from dreaming to one day buy their own home. People would comment on their family staying in such a small place and sometimes challenge them that a peon cannot afford a home in today’s times. Vijay and his wife were the silent type who would ...