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Property Transactions To Become More Transparent – The Real Estate Bill and Realty Regulator

The government is in the process of finalizing a new legislation, The Real Estate Bill, which would deal with the issues faced by consumers in the property market.The provisions of this bill are still being finalized, and it is expected to be presented to the parliament for passing in the budget … [Read more...]

Buying a home becomes more difficult – Now you get lesser amount as home loan

If you are a middle class, salaried individual, buying a house or flat of your own has become really difficult. The main reasons are the high property prices, and the high interest rates for home loans.But now, there is another factor that is going to make home purchase even more difficult for … [Read more...]

5 things to do as soon as you get a job to secure a healthy financial future

There are certain things that you should do as soon as you start your career – things that would make your financial life simple going forward. Here is a list of the 5 most important things. … [Read more...]

Understanding Equated Monthly Installment – What is an EMI?

 We all keep hearing about EMI, and most of us also pay EMIs for various loans. But what exactly is an EMI? What is its breakup? If you have to prepay a loan, whan should you do it? Let's understand. … [Read more...]

5 Points to note when buying a house / residential property

What are the factors to be considered while buying a house / flat? Here are some tips. … [Read more...]

Migrating to the “base rate” regime from BPLR – the impact on you and what you should do

Banks have moved to the “base rate” system from the “benchmark prime lending rate (BPLR)” system. What does it mean? How does it affect you? Read on. … [Read more...]

Budget 2010-2011: Service Tax on Property / House / Apartments / Flats

Budget 2010 introduced service tax on construction of property by builders. What does it mean for you as a buyer? Would you have to pay Lakhs of rupees more? Find out what would be covered under this new provision. … [Read more...]

Transparency in floating interest rate home loans – Customers to know changes in reference rate instantly

The Banking Codes and Standards Board of India (BCSBI) has asked its member banks to publish the reference rate to which its floating rate loans are tied. The banks have also been asked to publish any changes made to the reference rate. … [Read more...]

Advantages and disadvantages of home loan in joint names

A home loan can be taken in your individual capacity – in your single name. Or it can be taken in joint names, usually along with your spouse.There are pros and cons of doing this. Read on. … [Read more...]

Income Tax (IT) treatment of House Rent Allowance (HRA)

Most of the salaried people get an allowance for taking care of the rent that they pay for their home. This is called House Rent Allowance, or HRA.HRA gets special treatment in income tax laws, and is exempt from income tax to a certain extent. Here are the rules explained in simple terms. … [Read more...]