Shruti mayur's Post

Benefits of Buying assets on your Wife's name! #buyingproperty #asset #loan #tax #houseloan On a ₹75 Lakh home in Mumbai or Delhi, a 1% saving puts an extra ₹75,000 back in your bank account on day one! Major banks (like SBI, HDFC, and ICICI) offer a 0.05% to 0.10% discount on home loan interest rates for female primary applicants. It sounds small, but on an ₹80 Lakh loan over 20 years, a tiny 0.05% drop saves you roughly ₹92,000 in total interest. If you choose Joint Ownership and your wife has an independent income source, you both can claim tax deductions under the Old Tax Regime. Section 24(b): Up to ₹2 Lakh each on interest. Section 80C: Up to ₹1.5 Lakh each on principal. otal family tax shield: Up to ₹7 Lakhs/year instead of ₹3.5 Lakhs! The Income Tax Catch: If she is a homemaker and you fund 100% of the property, the rental income can be clubbed with your taxable income (Section 64). Concession Rule: In states like Maharashtra, to get the 1% stamp duty discount, the property must be in her sole name, not joint. Smart Wealth Building 🧠 Real estate isn’t just about location—it's about structural tax and financial planning.

• #asset
• #buyingproperty
• #loan
• #tax
• #houseloan

• 4 1
• 60.0K Followers
• 994 Posts
• 12 Average Likes
• 0.02% Eng. Rate

This post was published on 21st June, 2026 by Shruti mayur on her Instagram handle "@finplanwith_shruti (Shruti Purbiya)". Shruti mayur has total 60.0K followers on Instagram and has a total of 994 post.This post has received 4 Likes which are lower than the average likes that Shruti mayur gets. Shruti mayur receives an average engagement rate of 0.02% per post on Instagram. This post has received 1 comments which are lower than the average comments that Shruti mayur gets. Overall the engagement rate for this post was lower than the average for the profile. #asset #buyingproperty #loan #tax #houseloan has been used frequently in this Post.