DURING the last two months, Andika has felt both concerned and content every time he has checked the balance in his savings account. Since January last year, he has always regularly paid his monthly home loan installment payments of Rp730,000. "For the last few months, they have been lower than usual," said this employee of an information technology firm after paying his March home loan installment.

In order to buy his home in Pamulang, Banten, w