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Advantages of taking a home loan.
Posted by anuragmishra on April 27th, 2017

Buying a home is a big step. It is a source of anxiety, frustration -- and a huge sense of accomplishment. With the zooming property rates Wholesale Jerseys Free Shipping , it is difficult a buy a home through our savings entirely. Almost all of us have a to avail a home loans.

Usually, a home loan is one of the biggest liabilities. Considering the huge amount and the long tenure involved, however your home loans also offers you some benefits. The below write-up highlights the advantages of taking a home loans.

Sense of accomplishment

Buying a home is one of the biggest financial investments you may make in your lifetime; and that''s not just because of the sentimental value. The sum that most of us sink into our home does make it the largest component of our investment portfolio!

Capital Appreciation

For each one of us who has seen property prices boom over the last five years, the prospect of mouth-watering capital appreciation is the biggest argument for buying a home. Construction costs alone, which account for more than 70 per cent of the flat''s cost Wholesale Jerseys From China , have risen at 15 per cent annually in the past decade. Rents too seem to keep up with inflation; making a home one of the few investments can shield you from inflation for the long term.

Low interest rate

Buying a home is a long-term decision of over a 10-year period; the interest rates may go through several up and down cycles. Therefore, you can be sure that you will benefit from falling rates at some point in the cycle.

There could also be situations in which the interest rates fall, allowing you to prepay your loan and own your home. For instance, those who bought property in 1995, at an interest rate of 18 per cent Wholesale Jerseys China , not only saw interest rates fall dramatically over the next decade, to bottom out at about 7.5 per cent, property prices too appreciated steeply. This works as a double boost to wealth.

The best way to manage borrowing costs is by actively managing your home loans! That''s not as difficult as it is sounds. Banks and home-loan lenders often give new borrowers much better rates than existing borrowers. During the uptick of the interest rate cycle, if your cost of borrowing increases by more than 2 percentage points, pay 0.5 per cent of the loan outstanding as processing fee (conversion charge) to your lender to avail the rates offered to the new borrowers.

Tax Benefit: Interest paid

As per Section 24(b) of the Income Tax Act Wholesale Jerseys , 1961 a deduction up to Rs. 1.5 lakh towards the total interest payable on the home loans towards purchase construction of house property can be claimed while computing the income from house property. (The deduction stands reduced to Rs. 30,000 in case of loans taken prior to March 01, 1999).

The interest payable for the pre-acquisition or pre-construction period would be deductible in five equal annual installments commencing from the year in which the house has been acquired or constructed.

Tax Benefit: Principal Repayment

As per the newly introduced Sections 80C read with section 80CCE of the Income Tax Act, 1961 the principal repayment up to Rs. 1 lakh on your home loans will be allowed as a deduction from the gross total income subject to fulfillment of prescribed conditions.

Buying a home vs. renting a house

Let''s compare two individuals. Ram, is willing to buy a flat at current prices Cheap NFL Jerseys , while the other — Shyam — prefers to stay in a rented house. We assume Ram funds the flat cost of Rs. 33 lakh with his own capital of Rs. 8 lakh and the balance through a loan of Rs. 25 lakh for 15 years at an interest rate of 10 per cent per annum. His monthly commitment (equated monthly installment) towards the loan will be Rs. 26,835.

Assuming that the interest rate remains the same throughout the 15 years, he will pay back a sum of Rs. 48.35 lakh to the bank. Assuming he is in the 30 per cent tax bracket and earns tax benefits on the interest component alone (in deference to the new Direct Taxes Code), he would shell out a net sum of Rs. 42.75 lakh.

Now, assuming property prices increase at a rate of 7 per cent Cheap Jerseys China , his Rs 33-lakh home will be worth Rs. 91 lakh after 15 years. His investment in the property fetched him an appreciation of Rs. 40.25 lakh. That is an internal rate of return of 6.9 per cent.

Now, coming to Shyam, he decides to rent a home very similar to that bought by Ram. Assuming rental yields of about 3.5 per cent, he would need to shell out about Rs 10,000 per month in the form of rent. Now Cheap Jerseys , as property prices are rising by 7 per cent every year, the landlord will raise his rent t. Cheap Jerseys Cheap Jerseys Cheap NBA Jerseys China Cheap Jerseys Free Shipping Cheap Soccer Jerseys Cheap MLB Jerseys China Cheap NHL Jerseys From China Cheap NFL Jerseys China Cheap NCAA College Jerseys Wholesale Jerseys China