It was a really good article. In the western countries , the home loans..especially the interest only ones are backed by an investment vehicle which guarantees to pay off the loan on death or maturity whichever occurs first provided all the premiums are kept up todate....I ahve not heard something of this in India as of now...I am glad that one of the largest public sector banks in India is coming up with this...A lot can be done in the home loan segment in India .