Credit cards and home loans are things that trap people in a tight debt trap. It is common for people to get them at a higher price when they are given big concessions for loans. In our country, the repayment period for home loans is a maximum of 15 years. Only a few government commercial banks have given a maximum of 25 years as the repayment period under strict loan conditions. Therefore, many people do not take up loans because the monthly loan amount has to be paid in the relevant month. Therefore, there is no money left to spend on additional needs. A minority who do not have a proper understanding of this, pursue additional needs and fall into the debt trap.