Buying a home without the help of a loan is a distant dream for most people and one rarely comes across a homeowner who is not servicing a home loan these days. Yet, the pain point among these types of homeowners is the rising EMIs on these loans. “I had taken a home loan in 2010 at 8.25 per cent from HDFC Bank, which kept going up after that,” recounts Gurgaon based Valay Kumar. Like several others, Kumar has seen his EMI outgo rise for most part of the past five years, when he borrowed to pay for his home. He is eagerly waiting for the lower rates to kick-in so that his loan liability starts to go down.