If you are single and looking for a house, get married. As after the marriage, the housing finance company will consider the total income of the couple and you will end up getting a bigger loan than that available individually. Given this, you can buy a sea-facing flat in Mumbai. But if you are looking for something like this, take a loan for a lesser term. Usually, individuals take tend to take up loan for tenure of 20 years. And married couples (if both are earning) can take a loan of a lesser term for around 15 years, having a greater equated monthly installment (EMI). Also, under the joint loan scheme, both will be allowed tax deductions for the EMI paid to repay the loan.