Doosri Property ki Stamp Duty Par Choot Mil Sakti Hai?
Q1: Meri 2 housing property hai, Ek jaldi me hi kharedi hai. Dono hi housing loan per hai. Ek me mai reh raha hu, dusre me mere rishtedar hai. Mujhe dono me se kisi bhi porperty se kamai nahi ho rahi hai. Lekin mai pehle khareedi property per tax choot le chuka hu. kya dusri porperty per bhi tax choot le sakta hu, Kya dusri porperty ki stamp duty per milne wali choot ke liye awedan kar sakta hu, Pehli wali property ke liye mai aisa kar chuka hu, Krapya bataye.
Prabhat Singh, Gurgaon.
Ans: Ek vyakti kitni property khareede, eski koi seema aykar ect me nahi batai gai hai. Lekin agar kisi ke paas do property hai, Jisme se ek me wah aur dusre me uska rishtedar rah rahe hai to ek kouse self acupayed property ke taur pe ghoshit karna hoga. Aisa karte hi mana jayega ki dusri property kiray per de gai hai. es tarah esse kiray ki ek anumanit ay bhi mani jayegi, es tarah self accupayedproperty ka varshik mulya shunya mana jayega aur vyakti property lene ke liye 2 lac Rs. ki seema tak ke loan per byaj ke bhugtan ka davedar mana jayega. aap home loan ke repayment ke liye es per aykar labh le sakte hai, aap dusri property ke liye de gai stamp duty ke liye tax choot per laabh le sakte hai. Ho sakta hai ki aapne kisi aur saal me kisi aur property ke liye esi prakar ki choot ka labh liya ho. Es property ke liye bhi aap aisa phir kar sakte hai.
Kya Flat Ka Malikana Haq Do Logo Ko Mila Sakta Hai?
Q2: Meri patni ne naukri ke dauran homeloan liya tha. ab unki naukri nahi hai, esliye mai home loan ka dayitwa khud per sthanantarit karwana chahta hu. Kya esse flat ka malikana haq bhi badal jayega? Kya hum dono makan me sajhedar ban sakte hai?
Samar Mishra, Faridabad.
Ans: Jee ha, Aap apni patni ki taraf se home loan ki EMI anaupcharik roop se ada kar sakte hai. Lekin es par aapko koi tax choot nahi milne wali, kyoki aap property me sajhedar nahi hai. aap bank se kahkar apna naam property ke sajhedar se taur per judwa sakte hai, Lekin eske liya aapko stamp duty ka bhugtan karna padega.
Kya Mai Kuch Awadhi Ke Liye EMI Rok Sakta Ho?
Q3: Maine 19 Lac Rs ka loan liya hai. eski pratimah EMI 20,000 Rs hai. Mere flat ki vartman keemat 50 lac Rs ke lagbhag hai. Mai Mumbai me 11 mahine ka ek management program karna chahta hu. es dauran mere paas koi naukri nahi hogi. Kya yeh sambhav hai ki utni awadhi ke liye me apni EMI rok saku.
Ritesh Malhotra, Ghazibad.
Ans: Behtar hoga ki aap use avadhi ke liye koi entezam kar le. Taki apka naam defaulters ki list me na jude. Eska ek tareeka yeh ho sakta hai ki naukri chodne se pehle, yadi aap yogyata shart per khare utarte hai, to apni karzdata santha se top-up loan le len aur uska upyog 11 mahino ki EMI va Top-up loan ki EMI chukane me kar de. Sarvottam yeh hai ki aap education loan le, Taki course ki fees usse chukay aur apni savings se home loan ki instalment chuka de. Na ki apni savings se course ki fees chukay.
