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A Ok Babu (52 years) is a Senior Govt ('C' Level) in a global Firm. Mrs Babu (48 years) is also employed in a smaller company as a GM. Their income per thirty days is Rs three,50,000 and Rs 60,000 respectively. They are dwelling in Mumbai and pay a rent of Rs 50,000 per month. They have a housing loan for Rs 5 million (Rs 50 lakh) for which they're paying Rs 60,000 as EMI month-to-month. The present fee of interest defined is 15.5% and the interest is labored out on the outstanding steadiness as on the last day of the month. Rajesh requested, I am salaried individual. The home the place I stay is in joint name (Me and my mother being the co-owners). My Mothers share was being organized by sale of our previous house and my share by taking a loan. I claim deduction beneath section 80C (Principal) and Sec 24 for curiosity on the loan i took. Now, since I'm solely 50% proprietor, can i additionally declare HRA since relaxation 50% belongs to my mother and can i pay rent to her? Mahesh Padmanabhan solutions, The purpose to be famous here is that you just already own a house and accordingly you would not be eligible to avail of rental deduction from your wage.


The FM modified the slabs chopping the speed to 10 per cent for earnings up to Rs 500,000. The tax concession the FM said will give more cash within the arms of the individuals. However elevating the duties on petro products will automatically hike the cost of petrol and diesel, which is not going to solely harm automobile owners, however prices throughout may also rise. The dimensions of the fund could vary, depending on whether the family has one or two incomes members. This fund, which might normally be equal to three - six months of household bills, including equated monthly instalments (EMIs), insurance premiums and children’s college charge, could must be enhanced to 12 months in an unsure atmosphere. Younger graduates have to avoid a couple of errors at this stage. Radhika Gupta, chief govt officer, Edelweiss Asset Management. Those just beginning their careers must also avoid including to their liabilities, especially in the event that they already have an training loan. They need to think laborious earlier than taking a automotive or home loan. Earlier than you start to invest, build an emergency corpus. This is very vital for individuals with an schooling mortgage.


Cash cost made does not qualify for deduction. Vikas Gandhi answers, There isn't any limit on the variety of house loans that a person can avail. For the earnings tax function, what matters is the quantity of mortgage repaid in the course of the 12 months. Against one self occupied property, an individual can not declare deduction on account of interest Premium car for rent Dubai greater than Rs.1,50,000/-, irrespective of the number of house loans. High web value people are shopping for property overseas for each investment purposes and private consumption. As a substitute of buying a holiday home in the hills or in Goa, celebrities or excessive internet price individuals are taking a look at better options overseas. Low and affordable costs: A premier property in an upcoming tourist destination for instance may value you close to the common cost of shopping for a 3-BHK condominium in Gurgaon.