When Vivek, a 27-year-old finance professional, set out to buy a home in Gurugram about three years ago, it seemed an inviting prospect. He was in a stable job making upwards of Rs 25 lakh a year and could secure a home loan for a Rs 1.5-Rs 2 crore 2BHK within a 10km radius of Cyber Hub. When he sat down to do the math, though, it wasn’t as convincing as he’d thought.

“I can’t lock up all this money for 20–30 years in a house at such prices,” he recalls calculating. 

It was after the Covid........

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