Home ownership has always been Indians’ dream, but it was the advent of cheaper home loan options post liberalisation that brought it within the grasp of the middle class. The pace increased in the 2000s with floating interest rates being introduced and several banks jumping in the race. The result? While the earlier generation, especially the middle class, waited to deploy their retirement corpus to buy a house, the Gen X and millennials were able to own a home during their working lives.