Home loans are a large amount and we understand that the decision of applying and approval and repayment of the home loan is a long term decision. A welcome change now is seen in the banks and finance housing sector companies here and abroad resorting to new concepts for increasing more movement in number of home loan borrowers. The average middle call individual who is either single income or double income person sure sees a sparkle of hope in this move. The inflation world wide and low sales in every sector the most affected industry has been the house construction industry and housing finance industry. As sales have been recorded very low and gradually diminishing with so many constructions on a stand still it was due from long time that a drastic measure be taken. Buyers and home loan borrowers were on a static action mode , wait and watch , as with such high rates of property it was just not possible to go in for a large home loan. the risk of insecure future jobs and f...