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    Tax benefits

    To encourage more and more people to buy their own house, the government of India provides tax deduction on the principal as well as interest paid on a home loan. An individual is eligible to claim a deduction of up to Rs 1.5 lakh under Section 80C of Income Tax of India 1971 Act in a financial year. While a deduction of up to Rs 2 lakh is allowed on the interest portion under Section 24B of Income Tax of India Act. The deductions under income tax are only available after the construction of the house is complete. You can’t claim the income tax deductions while the property is under construction. Read: to know more about home loan deductions.

      1. Tax benefits on second house
      In case of second house, you are eligible to claim deduction for the entire amount of housing loan interest paid under Section 24B of Income Tax Act.
      2. No prepayment charges
      Unlike other loans where lenders charge prepayment penalties on payment made towards home loan , there are no prepayment penalties on floating rate home loans . So, whenever you have surplus money, you can utilize it for making part payment towards your home loan and lower your burden. However, there will be prepayment charges in case of floating rate home loan.
      3. Balance Transfer Facility
      In case of home loan you have the facility to transfer your home loan to different lender if he is giving you loan at a lower interest rate. Check out our Balance Transfer Calculator to know how beneficial it will be for you to transfer your loan amount.
      Makes it easy to buy dream home For many people buying house with own money is not possible, home loan as it can be repaid in easy monthly installments makes it easier to buy a house.
      High repayment Tenure Among all types of loan, home loan has the longest repayment tenure which goes up to 30 years, so one can reduce the burden of equated monthly installments by extending the tenure. Use our home loan EMI calculator to know how EMI change as you change your home loan tenure.
      Enjoy capital appreciation You will also benefit from the rise in prices of the property over time.
      Saves you from paying rent As rent in metro cities is quite high they put strain on your monthly budget. It is better to pay the EMIs

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    Ntakm 480p UNCUT HDRip x264 [Hindi+Telugu].mkv

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