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Anjali Patel
posted on 9 MayRajkot buyers: Tax benefits ka full fayda kaise uthayein?
Budget finalised, loan pre-approved – ab Rajkot mein 3BHK dekh raha hoon Kalawad Road pe. My wife ki priority hai kids ke school ke paas aur safe neighbourhood. Dekha Balaji Group ke kuch projects. But ek cheez jo mujhe recently pata chali, woh hai income tax benefits. Section 24 mein interest pe deduction milta hai, aur 80C mein principal pe. Ye EMI kaafi light kar deta hai, matlab actual cost kam ho jaati hai. Honestly, pehle itna research nahi kiya tha. Socha share karoon, maybe kisi aur ko bhi help ho. Anyone else using these benefits to their max potential? Ya aur koi tax hack hai jo log miss karte hain?
#tax-benefits#home-loan#rajkot-property#first-time-buyer#3bhk
Comments
Overall, Rajkot mein property lena abhi bhi ek smart move hai, especially if you plan to live there long-term. Tax benefits ek bonus hain, but don't let them be the only deciding factor. Location, builder reputation, and future appreciation potential are also key. Kalawad Road is developing fast, but due diligence on specific projects is non-negotiable. Don'
Ek aur point, jinhone joint home loan liya hai, unko aur double benefit milta hai. Both applicants can claim deductions under 80C and 24B, provided they are co-owners. Iska bhi koi fayda utha raha hai kya yahan?
Haan, absolutely! Maine aur meri wife ne joint loan liya hai. Toh hum dono ₹2 lakh each Section 24B mein claim karte hain aur ₹1.5 lakh each 80C mein. Total ₹7 lakh ka deduction ho jaata hai. This is a huge tax hack for couples. Make sure both have separate incomes though.
Tax benefits toh theek hai, but make sure builder ka background check kar lo acche se. Rajkot mein kaafi naye projects hain, thoda risk rehta hai.
Totally agree with the tax benefit point. It's crucial for first-time buyers. But I'm also looking at Kalawad Road. Balaji Group ke projects mein kya rates chal rahe hain abhi? Aur quality ka kya scene hai? Koi recent buyer hai jo bata sake?
Mujhe bhi ye tax benefits kaafi late pata chale the, after booking my flat near Ring Road. Agar pehle research kiya hota toh shayad better financial planning kar paata. I used to think ki bas EMI bharte jao. But once I understood Section 24 and 80C, it made a huge difference to my monthly outflow. Meri wife bhi school ke paas ghar chahti thi, toh usmein thoda premium dena pada tha, but these benefits balanced it out. Always consult a good CA before finalising anything, they give the best advice on maximizing these deductions. Kya aapne apne CA se discuss kiya hai ki aapke case mein maximum kitna fayda ho sakta hai?
Meri monthly EMI ₹45,000 hai. Usmein se approx ₹30,000 interest portion hota hai initial years mein. Toh Section 24B se ₹2 lakh ka deduction milta hai annually. Aur principal repayment pe ₹1.5 lakh 80C mein. Overall, meri taxable income ₹3.5 lakh se kam ho jaati hai. Agar main 30% tax bracket mein hoon, toh around ₹1 lakh annual tax save ho jaate hain. Matlab monthly ₹8,333 ki savings. Ye toh Krishna Kunj area ke rents jitni savings ho gayi! Bohot bada difference hai.
Exactly! CA consultation is a must. Main toh abhi calculate kar raha hoon ki meri actual EMI kitni kam ho jaayegi. Aapki kitni savings hui monthly, approx?
Point toh sahi hai, tax benefits kaafi help karte hain. But main toh abhi bhi confused hoon Balaji Group ke projects ko leke. Kalawad Road pe unke kaafi options hain. Unka track record kaisa hai, especially possession dates aur quality ke maamle mein? Kisi ko recent experience hai kya?
Mai toh bolunga thoda cautious raho Balaji Group se. Mere ek friend ne unke Krishna Kunj wale project mein book kiya tha. Possession ka promise 2022 end ka tha, abhi tak mila nahi hai. Quality bhi average bol rahe hain. Rajkot mein abhi market slow hai, builders bhi thoda stretch ho rahe hain, toh delivery mein dikkat aa rahi hai. So, due diligence is key, especially for such a big investment.
Dekho, Balaji Group ke kuch projects acche hain, but kuch mein delays sunne ko mile hain. RERA website pe check karo unki details. Possession status aur completion history wahan se mil jaayegi. It's crucial for first-time buyers.
Bhai, you're absolutely right! Ye tax benefits toh game-changer hain. Maine bhi pehle itna dhyan nahi diya tha, but ab jab loans ki interest rates itni high hain, Section 24 ka deduction bohot relief deta hai. Lagta hai sabko pata nahi hota iske baare mein.
Haan bhai, same here. Meri EMI bhi kaafi light ho gayi hai isse. Must-know info for everyone.
Exactly! Especially for first-time buyers like us, every penny saved counts. Maine toh apne CA se confirm kiya, 2 lakh tak ka interest deduction milta hai Section 24B mein. Plus 80C mein principal repayment pe 1.5 lakh. Total 3.5 lakh ka deduction, that's huge yaar!