भारत में, घर की खरीद या निर्माण के लिए पैसा जुटाने हेतु प्राथमिक विकल्पों में से होम लोन एक है. बजाज फिनसर्व उधारकर्ताओं के लिए आकर्षक विशेषताओं और लाभों के साथ रु. 3.5 करोड़ तक का उच्च-मूल्य वाला लोन प्रदान करता है. लोन के लिए अप्लाई करते समय, महत्वपूर्ण कारकों में से एक होम लोन पर टैक्स लाभ है.
आयकर अधिनियम, 1961 के अनुसार, उधारकर्ता विभिन्न सेक्शन के तहत होम लोन पर टैक्स लाभ प्राप्त कर सकते हैं और वार्षिक रूप से टैक्स के रूप में काफी नकदी प्रवाह बचा सकते हैं.
कोई व्यक्ति नीचे दिए गए सेक्शन के तहत विभिन्न तरीकों से होम लोन पर टैक्स लाभ का क्लेम कर सकता है:
| सेक्शन 80 सी | Tax deductions on the principal repayment | रु. 1.5 लाख |
| Section 24 | Tax deductions on the interest amount payable | रु. 2 लाख |
| Section 80EE | Additional home loan interest tax benefit for first-time home buyers | रु. 50,000 |
The Government of India extends these benefits as a form of relief to borrowers, making it more affordable.
On availing a home loan, you need to make monthly repayments as EMIs, which include two primary components – principal amount and interest payable. The IT Act enables borrowers to enjoy tax benefits on both these components individually.
1. Section 80C
2. सेक्शन 24
3. सेक्शन 80EE
ध्यान देने योग्य कुछ अन्य शर्तें:
In case of a home loan jointly, every borrower can enjoy tax benefits on joint home loan from his/her taxable income individually. One can claim a maximum of Rs. 2 Lakh on the interest paid and up to Rs. 1.5 Lakh on the principal amount. Any family member, friend or even the spouse can be a co-borrower of a Joint Home Loan from Bajaj Finserv.
The only condition is that every applicant of the housing loan must be a co-owner of that residential property.
If you take a second home loan to purchase another property, tax benefits are applicable on the payable interests. Here, you can claim the entire interest amount paid as no cap is applied here.
Currently, individuals can claim only one property as self-occupied and make tax payments on the other based on notional rent. In the February 2019’s Interim Budget, a proposal has been put forward stating that an individual can claim a second home as self-occupied property. This aims to help borrowers save more in the form of taxes.
The process to claim tax benefits on a home loan is easy and simple.
Use the Bajaj Finserv’s Income Tax Calculator to compute the tax benefits without any hassle. It is an online tool which instantly calculates the amount based on certain home loan details. Some of those include home loan amount, rate of interest, existing tax deductions, gross annual salary, etc.
Simply enter the details required and check the tax benefits you can avail.
In India, purchasing a property is considered as a significant investment decision. Hence, approach Bajaj Finserv and avail the most competitive home loan interest rate along with other benefits to own your dream house.
