I am retired pensioner. I have FDs worth Rs. 45 lakhs with SBI and PNB. Since, till now my family has been staying in a rented accommodation, I am inclined to purchase a flat for Rs. 30 lakhs. This will secure the future of my children as well. Rather than purchasing the flat from my fixed deposits, I am planning to take a loan against FDs. What will you suggest? Should I break FDs or should I take loan against them?