D
Dinesh Wadhwa
posted on 13 MaySection 54EC: What I wish I knew before selling
Since last year, after selling my big house, I'm looking for a 2BHK in Mohali, Sector 74. Didn't fully grasp Section 54EC benefits earlier. Now buying from Adani M2k, capital gains tax ki tension hai. Koi advice hai?
#tax-benefits#capital-gains#mohalirealestate#downsizing#section-54ec
Comments
Capital gains tax ka toh tension rehta hi hai, but builder ka selection bhi utna hi crucial hai. Adani M2k ka track record mixed hai, kuch projects ache hain, kuch mein issues hain. Best advice yahi hai ki RERA website pe unke projects ka status check karo, previous buyers se baat karo. Mohali mein aur bhi reputed builders hain, unke options bhi dekh lo. Tax advisor se 54EC bonds ke saare details confirm kar lo. Kya hua phir? Adani M2k se deal final ki ya kuch aur dekha?
Mohali Sector 74 mein 2BHK ka kya rate chal raha hai abhi? Wahan ka market Gurugram ke comparison mein kaisa hai? Gurugram mein toh prices sky-high hain, khaaskar Badshahpur aur uske aas-paas. Mohali sasta padta hai kya kaafi?
Haan bilkul, U10 is right. Gurugram mein Baharampur Naya jaise areas mein bhi ab rates bahut badh gaye hain. Mohali is still a good option for budget-conscious buyers looking for decent space.
Mohali mein rates Gurugram se definitely kam hain. Sector 74 mein ek decent 2BHK around 50-70 lakhs mein mil jayega, depending on the builder and amenities. Gurugram mein toh itne mein ek 1BHK bhi mushkil se milega, khaaskar current market conditions mein.
Dekho, 54EC bonds mein invest karna hi sabse best option hai capital gains tax bachane ke liye. Maine khud pichle saal ek plot becha tha aur Punjab National Bank ke 54EC bonds mein invest kiya tha. Important cheez ye hai ki sale deed register hone ke 6 mahine ke andar andar invest karna hota hai. Adani M2k ke project mein agar delay ho raha hai, toh make sure ki tumhara investment window miss na ho jaye. Consultant se baat kar lo ek baar, they can guide you better.
U5 ne bilkul sahi bataya. Mere ek dost ne Airport Road, Gurugram mein property bechi thi aur usne bhi yahi galti ki. 6-month window miss kar diya aur phir pura capital gains tax bharna pada. Bahut pachta raha tha. So, be very careful with the timeline.
Nahi, U6, grace period nahi hota. Income Tax Act ke Section 54EC ke under clear mention hai ki capital gains ko 6 mahine ke andar specified bonds mein invest karna hoga. Ye rule bahut strict hai, ismein koi compromise nahi.
6 mahine ka time frame? Oh god, yeh toh bahut tight hai. Matlab agar sale date ho gayi, toh uske andar hi karna padega? Koi grace period nahi hota kya?
Same pinch! Main bhi first-time buyer hoon aur Section 54EC ka pura game samajh nahi aa raha. Lagta hai sabko yahi tension hai capital gains ki. Kaash pehle pata hota.
Adani M2k? Bhai, unka track record kaisa hai Mohali mein? Maine sunna hai delays bahut hote hain projects mein, khaaskar possession mein. Capital gains tax se zyada mujhe toh builder ki tension ho rahi hai. Koi aur option dekha hai kya?
Delays toh common hain almost sab builders ke saath. But specifically kya issues the, delays ke alawa? Quality, amenities ka kya scene tha?
Haan yaar, sahi keh rahe ho. Adani M2k ka naam sunte hi mujhe bhi thoda doubt hota hai. Mere ek friend ne Gurugram mein unke ek project mein invest kiya tha, Basai ke paas. Possession date se almost 1.5 saal late mila tha. Bahut pareshaan hua tha woh.