Gift Deed Lena Behtar Ya Sale Deed: Property Samadhan

Property Samadhan

Question- Mere pitaji ke paas ek plot hai, jis par mai apna ghar banana chahta hu, Jis par me apna ghar banana chahta hu. Agar mai eske liye home loan lu, to mujhe kya karna hoga? Tex me chut pane ke liye koun sa raasta sabse accha saabit hota-mere pitaji se gift deed ya sale deed?

Antikesh Sharma, Noida

Answer- Chunky aap jameen ke malik nahi hai, esliye aapkpo lan ke byaaj par aur loan ke repayment par tax ke labh nahi milenge. Agar aapkpo malik banna hai to ki co-owner, to aapko ta gift paane wale ya ki kharedar ke taur par eska malikana adhikar lena hoga. Agar yah aapko gift ke taur par milta hai, to eske transfer socument me lagne vali stamp duty par bachat hoga.

Question- Maine shuruat me bank se loan liya tha, fir apni property ko bechkarapna loan bhi bhar diya. Maine naya ghar liya hai aur naya loan bhi ek anya bank se. Kya dono hi loan par tax ka fayda le sakti hun?

Mahima Singh, Noida

Answer- Ye prashan use varsh se sambandhit hoga, jisme pahla vala loan chukaya gaya aur dusra liya gaya. Jab bikne vale ghat ke liye loan ki baat aati hai, to byaaj ka hissa kiray se hone vali aamdani se ghata diya jata hai. Lekin agar dono hi property upyog me lee jati rahi hai,to phir sthiti jara pareshani vali ho jaati hai. Enme se kisi ek ko hi aapko khud ke upyog me lee ja rahi property ke taur par lena hoga aur use varsh me property ke liye dey byaaj ki seema2 laakh rupay prativarsh tak par hi hogi. Dusri proeprty ke liye mana jayega ki vah kiray par hai aur use par dey byaaj use property se shone vale kalpanik kiray ki aamdani se kata jayega.
Ya maan le ki aapka makaan newnatam 5 saal tak aapke paa raha, to dono hi loan par chukaya jane wala principal payment section 80C ke tahat kata jayegea. Agar jo ghar becha gaya hai, use aapke malikaana haq me 5 saal se kam samay hua, to use varsh me kisi bhi home loan ki mukhya rashi me se kisi tarah ki koi chut nahi milegi aur principal amount ke hisse ke liye usse pahle ke varsho me daava ki gai katauti ko use varsh ki aay mana jayega, jis par tex lagega.

Question- Mai apna apartment bechkar naya ghar lena chahta hu, Maine ek bank se 3 lack rupay ka loan liya hai. Kya yah loan naye apartment ke liye tranfer ho sakta hai?

Mahesh kumar, Delhi

Answer- Home loan transfer karne vala koi pravdhan nahi hota hai. Agar aap apni vartman property bechna chahte hai, to aapko vartmaan property per kiye gaye loan ko foreclose yani ki niyat avadhi se pahle hi puri tarah chukana hoga. Nai proeprty par aapko home loan aapki credit history aur aay ke adhar par milega. Ho sakta hai ki naye loan par thori si procesing fees lee jaye.