Do Propertiyo Per Stamp Duty Me Choot- Propery Cunsultation

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.

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Dusri Property Per Tax Choot Kaise Paye- Kanooni Salah

Ek Se Jayada Property Hone Per Tax Me Choot Milegi Ya Nahi?

Q1. Maine apne bete ke naam per Delhi me ek flat khareeda tha, lekin ab use bechna chahta hoo. Ab mera beta Bangluru me rehta hai, vah es kaam ke liye Delhi nahi aana chahta. hum saare kaam kaise kare? 

Shantanu Singh, Delhi 

Ans. Apka beta apke naam per power of attorny banwa kar se sakta hai. Uske baad aap property ki khareed se sambandhit karwahi anjam se sakte hai.

Q2: Mai ek awasiye yojna me puri tarah furnished flat khareedne ki soch raha hu, Lekin esse pehle mai flat ke construction ke bare me pata lagana chahta hu. Mai es bare me kya kar sakta hu. Krapya bataye. (Please Help).

Ajay Mathur, Noida

Ans: Certificate ke bare me puchna chahiye. Aap pata kar sakte hai ki building es tarah ke sabhi kagzaat ke anusar banai gai hai ya nahi. agar awikrut yojna se kuc alag nirman hua hai, to phir yeh dekhna hoga ki uske liye anumati le gai hai ya nahi ya usse sambandhit muawaze ye bhugtan aadi adhikrut ekai ko kiye gaye hai ya nahi.

Q3: Mai ek NRI mahila hu aur mai Delhi me ek flat ko kiray per dena chahti ho, Kya mai aisa kar sakti hu, aur aisa karne ke liye mujhe kisi se anumati ki awashyakta hogi?

Shiksha Shrivastav, Delhi

Ans: Je Haa, Aap reserve bank of India ya kisi anya adhikarik ekai ki anumati ke bina hi makan kiray per de sakti hai. Jo kiraya milega, vah NRO account me jayega ya phir videsh bhej diya jayega.


Q4: Maine 6 mahine pehle 5 saal ke liye lease per makan liya hai. kuch karano se lease deed ragister nahi karai ja saki hai. ab uska ragistration karana hai, Kya hum aisa kar sakte hai?

Mohan Singh, Noida.

Ans: 1908 ke Indian ragistration act ke anusar 11 mahine se jyada ki awadhi ki lease deed ko karyanvayan ke 4 mahine ke andar ragister karwana jaroori hota hai, lekin kuch apwad mamlo me ragistrar 4 mahine ka atirikt samay bhi de sakta hai. per yeh sthitiyo aur tathyo per nirbhar karega sath hi apko eske liye jurmana bhi dena hoga. Jis up-ragistrar ke adhikar shetra me yeh property padti hai, uske office me avedan kar sakte hai.

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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.

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