F
Farhan Siddiqui
posted on 15 MayGhaziabad property pe tax kaise bachayein?
Since January I'm shortlisting flats in Ghaziabad. Even though I work in real estate, buying for myself is different. Log sirf 80C aur 24 pe focus karte hain. Section 54EC for capital gains or 80EEA for first-timers can save lakhs. For a 3BHK in Indirapuram around ₹80L, this matters a lot. Pura calculation karna padta hai. Any other tax hacks?
#tax-benefits#ghaziabad-real-estate#property-investment#home-loan#first-time-buyer
Comments
Tax savings toh theek hai, but Ghaziabad mein property kharidne se pehle builder ka track record zaroor check kar lena. Mere ek friend ne Ahinsa Khand 1 mein ek project mein invest kiya tha, 2018 mein possession due tha, abhi tak sirfโครง ढांचा khada hai. RERA complaint bhi ki hai but progress bohot slow hai. Tax saving baad mein aayegi, pehle ghar haath mein aaye woh zaroori hai. Always check RERA status and past projects' completion records.
This is a valid point. Ghaziabad market
RERA mein complaint karne se kuch hua kya? Usually, it takes ages for RERA to act on these cases, especially against big builders. Any specific RERA number or case status you know?
Oh no, that's really scary! 2018 se abhi tak? That's a huge delay.
Apart from 80EEA, don't forget about Section 24 for interest paid on home loan. Also, for those selling an old property to buy a new one, Section 54EC for capital gains is a lifesaver. You can invest the capital gains in specified bonds to save tax. This is especially useful if you're upgrading from a smaller property to a 3BHK like the one mentioned in Indirapuram. Pura calculation karna padta hai, as OP said, but it's worth the effort. Consult a good CA, it pays off.
U2, cooperation is a big word. Builders are only interested in their payment schedule. Maine bhi Ahinsa Khand II mein ek flat book kiya tha last year, builder ne valuation kam dikhane ke liye bahut try kiya tha. It was a nightmare getting the actual sale deed value mentioned accurately for my home loan. Eventually, I had to fight a lot for proper paperwork, because if the documentation is not right, all these tax benefits become a headache later.
True that. Always get a lawyer to review all documents before signing, even the 'Agreement to Sell'. Don't rely solely on the builder's legal team. It saves you from a lot of future headaches with tax claims.
Kaunsa builder tha U3? Naam batao taaki hum avoid kar sakein.
Exactly! Builder ki taraf se transparency bohot kam hoti hai. Mera bhi yahi experience raha hai Achchheja mein. Lagta hai sab bas payment lene mein interested hain, paperwork mein nahi.
Yaar, tax bachana toh sab chahte hain, but kya yeh sab sections apply karna easy hota hai? Builder log cooperate karte hain kya proper invoicing mein?
Bhai, this is such a critical point! Log bas 80C aur HRA mein uljhe rehte hain. Maine bhi recently Indirapuram mein ek flat dekha tha, 85L ka. Jab 80EEA ke under interest component ka calculation kiya toh itna difference aaya ki kya batau! Especially for first-time buyers like us, every lakh counts. Thanks for bringing this up, it feels like a secret hack that no one talks about openly.
Haan, but iske liye builders bhi ready hone chahiye na? Ya fir banks bhi properly guide karte hain? Kya specific documents lagte hain 80EEA claim karne ke liye?
Totally agree! Isme bhi bahut savings ho jaati hai, especially on home loan interest.