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1. Exploring Real Estate

The buyer needs to pay the following taxes:


Yes, you will get the tax benefit under sec 80C

3. Can I get my House financed?

The actual EMI payment starts after the possession of the house.

4. What is Pre-EMI?

If you are planning to apply for a home loan you will need the following documents ready with you for submission.

What are the taxes that I need to pay before buying a property?

1. GST as per applicable rates.

2. GST as per applicable

3. Stamp duty and registration charges.

4. TDS or tax deduction at source on amount exceeding Rs 50 lakhs for the purchase of property excluding agricultural land.

Can I repay the loan ahead of schedule?

Yes you can repay the loan amount ahead of schedule to the lender as per their terms and conditions, and it is necessary to get these terms mentioned in your loan borrowing agreement, as further there will be no confusion regarding the extra charges

Can I sell the property, even when the home loan is outstanding?

Yes, you can sell the property with the consent of the banking institution. If the buyer is also taking loan in this case if he / she is borrowing from same bank then after completing the complete process the, bank clears the 1st party balance loan amount and releases the documents of the 1st party and then the balance amount paid to the seller. If the buyer wants to make a payment outright, he can make it to the bank directly. The property papers will be released only after the bank has recovered the entire loan amount.

Can a single woman get a loan?

Yes, a single woman can get a loan. Many lending institutions also have special schemes for them, such as a discount of up to 0.25% on the interest rate.

What is a down payment?

Generally, banking/finance institutions pay around 75 to 85 percent of the cost of the property bought. The remaining 15 to 25 percent of the amount is paid by the borrower direct to the builder / seller, this amount is known as the down payment.



Yes, you will get the tax benefit under sec 80C


The repayment of the interest portion of the EMI is allowed as a deduction under section 24 if the purchase or construction is completed within a period of three years from the end of the year in which the loan is taken under the head "income from house property" up to Rs. 2,00,000/- for self-occupied property and full amount of interest in case of let-out property provided that loss from such let out house property does not exceed Rs.2 Lakhs.


The repayment of principal amount of the loan can be claimed as a deduction under section 80C up to a maximum amount of Rs. 1.5 Lakhs. You can also claim deduction under Section 80C towards payment made for stamp duty, registration fee and other expenses for the purpose of transferring the property in the name of the assessee. All these deductions however should not exceed the overall limit of Rs. 1.5 Lakhs.


Benefit of Stamp duty and registration fee qualify as deductibles under section 80C of the Income-tax Act, 1961, up to a limit of Rs1. 5 lakh. This is one time benefit to client and we can mention this.

Is the Bank / Financial Institute Representative Contactable?

Yes our Sales Team & CRM Team will guide and arrange the meeting with the Bank / Financial institution representative where ever required.

How Much Loan Can I Avail?

Maximum loan of 80% of the Agreement value but it may differ as per your income eligibility as appraised by the bank. All loans are at the sole discretion of the bank.

What is the term of the loan that banks offer?

Maximum loan tenures of 30 years, depending on age / retirement of the borrower

I have two housing loans on two different properties. Can I get tax rebate for both the loans?

Yes, you can get the benefit on both loans. However, the total amount that you will be entitled to will not exceed Rs 1,50,000 for both the homes.

How much tax rebate is available on a home loan?

As per Section 80C of the Income Tax Act, you are allowed separate deductions on principal and interest amount of home loan amount, along with other entities like ULIP, PF, PPF, ELSS and NSC's. In case of principal, you can claim deduction up to Rs 1.5 lakhs while in case of interest, it is Rs 2 lakhs. The amount of stamp duty and registration is also eligible for tax deduction only for the same FY in with the stamp duty is purchased and registered. It is important to note that the tax break can only be claimed for the year in which the construction is completed.

What is the difference between fixed rate and floating rate of interest?

In fixed interest rate, the interest remains constant throughout the loan period irrespective of the changes in market conditions while in the floating interest rate, the interest can decrease or increase depending on market fluctuations.

What are the documents needed to apply for a home loan?

1. You have to submit the following documents:

2. Proof of Identity: PAN, Driving license, Voter ID, Aadhar Card

3. Proof of Income:

4. Salaried Applicants: Latest 3 Months salary slips showing all deductions and Form 16 for the last three years.

5. Self Employed Applicants: IT returns for the past 2 years and computation of income for the last 2 years as certified by a CA

6. Bank Statement: Past 6 months

7. Guarantor Form (Optional)

What is Pre-EMI?

Under the Pre-EMI option, the borrower is required to pay only the interest on the loan amount that will be disbursed as per the progress on construction of the project. The actual EMI payment starts after the possession of the house.

What is an EMI?

In Ready Possession flat, EMI or Equated Monthly Instalment is a fixed amount paid by you to the bank on a specific date every month. The EMIs are fixed when you borrow money from the bank as a loan. EMI's are used to pay both interest and principal amount of a loan in a way that over a specific number of years, the loan amount is repaid to the bank with interest.

In under construction flat, the borrower disburses the loan amount in instalment as per the demand till the last 100% demand and the EMI is charged accordingly, interest will be charged on the actual amount which is disbursed and the principal is deducted on the complete loan amount, and Equal Monthly instalment will be deducted immediately after the 100% loan amount is disbursed.

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