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FAQ's for Buyers

Q What is the difference between built up area, super built up area, and carpet area? A Carpet Area:This is the area of the apartment/building which does not include the area of the walls. Bu.....

FAQ's for Documents required

 Q Which documents are to be verified before purchase of a Flat ? A Before you purchase a flat, you have to have a title and document search conducted by a competent advocate. You cannot do it.....

FAQ's for NRI's

Q Do non-resident Indian citizen require permission of Reserve Bank to acquire residential/ commercial property in India? A No. An Indian citizen resident outside India does not require.....

FAQ's for Seller

Q Who is liable to pay Stamp Duty - the buyer or the seller ? A The liability of paying stamp duty is that of the buyer unless there is an agreement to the contrary. Section 30, of Bombay Stam.....

FAQ's for Tax

Q Is it necessary to obtain any permission, from the Income Tax authorities if I want to purchase any immovable property ? A There is restriction on transfer of immovable property under .....

FAQ's Loans

When can I apply for a home loan?  You can apply anytime after you have decided to acquire or construct a property, even if the property has not been selected or the construction has.....

Secure your family with a home loan cover

I am a home loan customer of a leading bank. I wanted to know if it is necessary to get my home loan insured. Please explain the various options available. Since a home loan is a huge financia.....

To reduce loan tenure, look at part prepayment, higher EMI

  I took a home loan from a leading bank in 2006 for a 20-year tenure. The loan amount outstanding is Rs7.63 lakh, with an equated monthly instalment (EMI) of Rs7,809. I am left with aroun.....

Tax benefits can only be claimed on one self-occupied property

I am a Union government employee. I own a house in Hyderabad and get tax benefits on the equated monthly instalments, or EMI (principal and interest), on the loan taken for it. I would like to .....

Prepaying a loan? Consider the tax benefits

I bought a property last month located on the outskirts of Mumbai. Since I wanted to urgently close the deal, I somehow arranged for some part of the funds through my own sources and the rest of it.....

Most lenders check the record with Cibil

I had applied for a home loan from a bank in April to buy a property worth approximately Rs10 lakh. At the time of application, the bank manager told me all my documents were in order. I had also p.....

Tax benefits on a property can be claimed only after taking possession

I want to take a home loan to buy a house. I am buying it from a person who also had taken a home loan some years back. Since a loan is outstanding against that property with the same lender, will .....

Repayment capacity decides the loan amount

I am working with a pharmaceutical company in Mumbai and currently live in a rented apartment. I have finally shortlisted a flat in Malad for which I want to take a home loan. I checked with one of.....

Clearance from I-T authorities is a must when selling property

I am a non-resident Indian (NRI) working in Dubai. I have a home loan of about Rs25 lakh. I urgently require a top-up loan amounting to Rs7 lakh for renovation and repairs, which my bank is unable .....

Today, we may be at the peak of the interest rate cycle

I am planning to buy an existing flat for which the owner is still under hypothecation with the bank. The current value of the flat is approximately Rs20 lakh. But the loan he has from the bank is .....

Valuation of resale property needs a special understanding

I am a chartered accountant running my own business in Mumbai. I am planning to buy a five-year-old property in Andheri and want to take a home loan for this. However, I am finding it very difficul.....

It may be better to clear other loans before prepaying home loan

I had taken a home loan in November 2006 and to my misfortune, the interest rates just zoomed up, resulting in my loan period increasing from 12 years to 20. I have other loans also. With interest .....

Location doesnot decide tax benefits on second home loan

I have recently purchased a second flat in Pune. I am occupying the first flat and my plan is to rent out the second property. Please let me know if there are tax benefits on the interest paid on a.....

Home loan disbursal timing decides when repayment begins

I am working with an automobile company in Pune. I want to know when repayment of a home loan begins? In the case of a home loan which is fully disbursed during the month, repayment of the loa.....

FAQ's Multiple Loans

I have a car loan, a personal loan and also a home loan, which I had taken almost three years ago. I have some idle money at the moment which I would like to use to reduce my monthly outgoings by w.....
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By vayaM CS