Home Loans are a secured loan under which the property bought with the loan money serves as collateral. The lender sanctions up to 90%* of a property’s value, depending on the market value of the property, as a Home Loan.
Lenders sanction the loan amount to the borrowers at a predetermined interest rate. Home Loan interest rates are on the lower side as compared to unsecured loans, which makes these loans a cost-effective way of owning a home. Further, these loans come with several Home Loan tax benefits, which allow borrowers to save a lot of money in the long run.
These days, more and more women have been investing in real estate and there are a few rebates and offers provided to encourage women homeownership. In this article, we look at Home Loan benefits for women.
Home Loan Benefits for Women in India
1. Low Home Loan Interest Rates
When it comes to Home Loans, the interest rate is important as it determines feasibility of the loan. A high rate of interest on your Home Loan will increase your EMIs as well as the total interest you pay the lender, whereas, a low Home Loan interest rate may help one with more manageable EMIs. Further, they also help borrowers reduce the overall cost of borrowing the loan. One of the biggest Home Loan benefits for women is that they may get offered lower interest rates, subject to lenders' policies and offers.
2. Rebate in Stamp Duty Charges
Whenever a homebuyer purchases a home, they pay legal tax to the state. This legal tax is known as the Stamp Duty and it varies from state to state. The stamp duty certificate serves as proof that the transaction took place and therefore, serves as proof of purchase in case of a legal dispute. It is, therefore, an important document that all homeowners must possess. Women homeowners may have to pay a lower stamp duty in a few states, depending on the policy of the state.
3. Simple Housing Loans Eligibility Criteria
Most lenders offer easy Home Loan eligibility criteria for borrowers including women homebuyers. For instance, if you are a working woman and want to qualify under Bajaj Housing Finance’s eligibility criteria for Home Loans for women, you should be an Indian citizen between the ages of 23 and 75 with 3 years of work experience. The eligibility criteria also include employment type and income among other factors.
4. PMAY has Made Female Co-Ownership Mandatory
The PMAY or the Pradhan Mantri Awas Yojana was launched in 2015 and it aims to make housing affordable to all. It does so by offering interest subsidy on Home Loans to those belonging to the economically-challenged sections of the society. However, to be able to avail of the benefits of PMAY, the borrower must meet certain criteria and one of it is that to be eligible for a PMAY subsidy under EWS and LIG categories, the borrower must co-own the home with a female member of the family. Thus, when a borrower buys a home with a female member of the family and adds their name to the Home Loan, all co-owners become eligible for better Home Loan deductions.
5. Flexible and Longer Repayment Tenor
When it comes to Home Loans, the repayment tenor is important. A short tenor can allow you to repay your Home Loan sooner and allow you to save on the total interest outgo. However, a short loan tenor leads to high EMIs. A long tenor, on the other hand, helps one keep their EMIs on the lower side but it also increases the total cost of borrowing the loan. In general, borrowers should try to opt for a tenor that allows them to keep their EMIs manageable.
Why Should Women Opt for Home Loans?
Now that we understand the benefits that women can get on Home Loans, let us look at the benefits of Home Loans and why women should opt for this financing tool.
- Home Loan interest rates are low as compared to unsecured loans, which can make it possible for homebuyers to fulfil their dream of owning a home easily.
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Housing loans come with a long repayment tenor. Borrowers can choose to repay their loan over a period extending up to 40 years with Bajaj Housing Finance. T
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Borrowers can get access to a high loan sanction, basis eligibility. This higher loan sanction can make it possible for borrowers to buy the home they have always wanted to buy.
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Home Loans also offer several Home Loan tax benefits using which borrowers can save up to Rs.3.5 Lakh in taxes each year, under the old tax regime. Under Section 80C, one can claim tax deductions up to a maximum of Rs.1.5 Lakh and under Section 24(b) of the Income Tax Act, one can claim deductions up to a maximum of Rs.2 Lakh.
Home Loans are a long-term commitment and should be taken after proper planning to avoid any unnecessary inconvenience during the repayment tenor.
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.
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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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How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
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cibil Cibil
[N][T][T][N][T]
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
[N][T][T][N][T]
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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[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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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home+loan Home Loan
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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