One question that I am asked at various forum is that whether one should buy a house on loan. Of course, this has reference to my public view across media spectrum that a home loan is more often than not liability and not leverage in India. I must admit here that seeking an answer to this question, most of the people asking this are already having an opinion on this. All that they need is a confirmation bias; something that they could justify to self and others with a statement of confirmation. Someone who understands the world of real estate and finance also said this. Right?