Taking loan is not that beneficial as the article suggests. No bank gives loan at the cost of our deposits. It is always 2%, atleast, more than the deposit rate. So, we stand to loose the 2% or more right there. But the buyer gets some benefits of taking a loan (instead of investing hard cash) if he/she smartly invests some amount to beat the inflation and borrowing rate. This could be investing in additional land/plot purchase where the appreciation could be better than the loan borrowed, or invest in MFs/equities whose maturity can be utilized to short-close the loan and become the real owner of the house.
