a person with an annual package of 10 Lacs can't afford an house in Mumbai looking at his responsibilities towards his dependents like Children, Wife, Parents and Social responsibilities like paying IT, Professional Tax, Buying Tax, Selling Tax, Walking Tax, Flying Tax, Eating Tax, Staying Tax, Surchage etc…………This is just an example of income with 10 Lacs but all people are not earning that much and most of the middle class people have an annual salary package in between 3-5 Lacs…now how we justify their case to own an house?