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Maybe to build a house one has to plan, lay roof, build, following father in retrospective (5,3,1,4)

Ross

I believe the answer is:

apply for a loan

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'roof build following father in retrospective' is the definition.
I know nothing about this answer so I can't judge whether it can be defined by this definition.

'maybe to build a house one has to plan lay' is the wordplay.
I cannot quite see how this works, but
'to' could be 'for' and 'for' is present in the answer.
'a' could be 'an' and 'an' is found within the answer.
'one' could be 'a' and 'a' is found within the answer.
an anagram of 'lay' is 'lya' which is within the left over letters.
This may be the basis of clue (or it may be nonsense).

Can you help me to learn more?

I've seen this clue in The Hindu.
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