For some people, taking home loans with interest only makes good financial sense. For example, high net worth individuals who don't want to tie up their money in home equity, but would rather invest it in something with a higher return, may benefit from them. Also, young professionals who are confident of their income dramatically increasing over the years as may benefit as well. In addition, short-term owners who are more concerned with making payments than equity, or real estate investors who are purchasing property in areas where the appreciation is high, may also benefit from a home loan with interest only.