Real estate ownership and investments always rank high on every individual’s wish list. With the thrust on affordable housing for all, shelter and housing needs have taken centre stage in recent years. As one of life’s basic necessities, house purchases consistently remain on an upswing, which is why, the Indian government incentivises housing finance by providing substantial tax relief, especially to first-time homebuyers and women house owners, making it easier to avail of a property by lowering the burden of debt.
Here is a detailed look at the various first-time homebuyer benefits and how one may claim them.
Who is Considered a First-Time Homebuyer?
Contrary to popular belief, a first-time homebuyer is not necessarily someone who purchases a house for the first time. Individuals who have not bought a primary property in the last three years may be termed first-time homebuyers.
Benefits for First-Time Homebuyers
If you wish to avail of housing finance for buying a new house, you can enjoy a number of tax benefits on Home Loans under the Income Tax Act. Eligible loan borrowers may claim these concessions on the principal and interest components of their loan at the time of filing their income tax returns during each financial year. Given below are some of the provisions that permit combined tax savings up to Rs. 5 lakh annually under Section 80 C, Section 24 (b), Section 80 EE and Section 80 EEA:
Deduction of Principal Amount Under Section 80 C
Borrowers are entitled to tax relaxations up to Rs. 1.5 lakh on the principal repayment of their house loans.
Tax Deduction on Interest Paid Under Section 24 (b)
Housing loan interest paid up to Rs. 2 lakh is deductible from the gross total income while calculating income from self-occupied house properties. This is applicable in cases where the acquisition or construction of the house has been completed within five years of originally taking the loan.
Extra Tax Relief Under Section 80 EEA and Section 80 EE
First-time homeowners under the affordable housing category can claim additional deductions under Section 80 EE and Section 80 EEA of Rs. 50,000 and Rs. 1.5 lakh, respectively, on the interest portion of their loan EMI repayment, subject to fulfilling certain conditions. However, you can obtain exemptions only under one of the two sections depending on when the loan was sanctioned.
Below is a comparison of the basic difference between the two sections:
Particulars | Section 80 EE | Section 80 EEA |
---|---|---|
Maximum deduction limit | Rs. 50,000 (on the interest component of the loan EMIs paid in a year) | Rs. 1.5 lakh (only on the interest portion of the EMIs paid annually) |
Applicable to | Home Loans availed in FY 2016-17 | House loans secured between 2020 to 2022 |
Other conditions |
|
|
Tax Concession for Non-Receipt of House Rent Allowance (HRA)
Individuals who buy a house for the first time can secure rebates under Section 80 GG if they are not entitled to HRA from their employers. This provides relief on expenses exceeding 10% of total income towards their rent payment.
Deduction on GST
A 12% subsidy, previously levied on houses acquired under the Pradhan Mantri Awas Yojana, has been reduced to 8% since 2018. This means that first-time homeowners with average earnings of Rs. 18 lakh can enjoy benefits up to Rs. 2.7 lakh instead of the earlier sum of Rs. 2.5 lakh.
Deduction on Subsidy Slabs
As part of the Pradhan Mantri Awas Yojana subsidies, home buyers with an annual income of Rs. 12 lakh can claim a 4% subsidy on principal amounts of Rs. 9 lakh. Besides that, a 3% subsidy is extended on Rs. 12 lakh principal sum for a salary of Rs. 18 lakh per year.
Pradhan Mantri Awas Yojana (PMAY)
First-time home buyers belonging to the Economically Weaker Sections (EWS), Lower Income Groups (LIG) and Middle-Income Groups (MIG) can claim the following tax concessions on Home Loans under PMAY:
Income Group | Limit of Loan Grant | Income Eligibility | Subsidy on Interest |
---|---|---|---|
EWS | Up to Rs. 6 lakh | Earnings below Rs. 3 lakh per annum | 6.5% on interest |
LIG | Up to Rs. 9 lakh | Annual income under Rs. 6 lakh | 4% on interest |
MIG | Up to Rs. 12 lakh | Annual salary less than Rs. 12 lakh | 3% on interest |
Smart Advice To Help You Plan Your First Home Purchase
Purchasing your first home involves judicious planning and utilisation of the available funds. When looking for the ideal home, one usually considers these crucial aspects:
- Location and neighbourhood
- Property price
- Construction quality
- Amenities, conveniences and infrastructure
- Facilities, connectivity, etc.
Selecting the right property is just one facet of your home-buying plans. Below is a quick guide on several other considerations:
Arranging the Requisite Funds
Your financial profile should always strike a balance between your savings and the debts you undertake. While paying for the house with your own investments and monetary resources is the ideal option, diluting all your savings is never a good idea. Besides, one needs to ensure sufficient liquidity for adverse situations.
Opting for a Home Loan
In case you find it difficult to manage the entire property purchase on your own, you may opt for housing finance. But before you take up a Home Loan, get a fair estimate of how much loan you might be eligible for and whether you can make the repayments comfortably.
Home Loan Eligibility
While examining loan eligibility, lending institutions will closely evaluate multiple aspects, each of which might act as a deciding factor on its own. These include:
- Credit score and repayment history
- Age of the applicant
- Business/job profile
- Monthly income
- Existing liabilities
- Property details, etc.
If your credit score is low, lenders will be wary of offering you a loan. However, a good credit record and excellent CIBIL scores of 750 or higher will establish you as a responsible borrower who can repay loans on time, thereby fetching you attractive deals at competitive interest rates.
Similarly, younger loan applicants are far likelier to receive preferential loan offerings as compared to older applicants who may be nearing the end of their service years. Other parameters are also carefully appraised to verify your personal, professional and credit profile to assure lenders of your repayment abilities within the stipulated tenor.
Property Value
As per the Reserve Bank of India norms, you can secure a specific proportion of the property’s current market price as a loan, better known as loan-to-value ratio (LTV). The RBI-mandated LTV restrictions for determining principal amounts are as follows:
- When you apply for a loan of Rs. 30 lakh, you can receive approvals up to 90% of the property’s value
- Borrowers can expect housing finance up to 80% if they seek loan principals in the range of Rs. 30 lakh to Rs. 75 lakh
- For loan amounts higher than Rs. 75 lakh, the expected LTV is 75%
Note: Keeping in mind the risks associated with credit transactions, lenders may reduce the LTV.
Summing Up
As a first-time homebuyer, research your property options in line with your loan eligibility and requirement to maximise the loan benefits. See if you qualify for any government housing schemes. If you wish to avail of a Home Loan, remember to first scout around for lenders offering the lowest Home Loan interest rates. Access a Home Loan EMI calculator to compare the interest rates of other lenders for choosing the best deal. Confirm if there are other related costs and factor them into your calculations. This way, you can establish the overall cost of your credit and its viability.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
Frequently Asked Questions:
First-time home buyers can save money for purchasing a house in the following ways:
- Open a high-interest savings account
- Invest in government schemes or mutual funds
- Avoid unnecessary expenses
- Pay off existing debts
- Place your surplus earnings, bonuses, etc. in a separate fund
No. As a first-time buyer, you are required to pay stamp duty charges, which can be later claimed to the tune of Rs. 1.5 lakh under Section 80C of the Income Tax Act. You can avail this deduction while filing your annual income tax returns.
First-time homebuyers can secure additional tax exemptions up to Rs. 1.5 lakh under Section 80 EEA for affordable housing, which is over and above the usual deduction of Rs. 2 lakh under Section 24. However, if they have already secured the benefits under Section 80 EE, they cannot be deemed eligible for claiming the advantages under Section 80 EEA.
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cibil Cibil
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cibil Cibil
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home+loan Home Loan
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cibil Cibil
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How Can Your CIBIL Score Help in Negotiating Better Home Loan Deals2023-05-18 | 4 min
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home+loan Home Loan
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Get a Home Loan Without Visiting Branch: A Step-by-Step Guide2024-03-20 | 4 min
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home+loan Home Loan
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Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
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loan+against+property Loan Against Property
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cibil Cibil
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Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
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home+loan Home Loan
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Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
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tax Tax
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -1