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Change in interest rate: Impact on floating rate home loan, EMI and tenure

The interest rates have been very volatile in the last few years. A couple of years back, the rates were going down. And they have been moving up for some years now.What effect does a rate change have on a floating rate home loan (or mortgage)? Does it change the amount of the EMI? Does it alter … [Read more...]

Set Off and Carry Forward of Losses – Capital Gains and House Property

This article talks about the complicated matter of set off and carry forward of losses. It explains what set off and carry forward means, and talks about the treatment of the most commonly encountered losses - Capital loss and loss from house property. … [Read more...]

How to save / avoid Long Term Capital Gain (LTCG) Tax on Sale of a House

So, you’ve sold your house and have earned a hefty amount in profit. But you don’t want to pay any income tax on this profit! Is there any legitimate way to do this? Yes, there are more than one ways!This article explains how income tax can be totally avoided (of course, totally legally!) on … [Read more...]

Long Term Capital Gains (LTCG) on Sale of a House – Calculation and Income Tax

Sale of a house often results in long term capital gains. But its calculation is not very simple – the cost of acquisition has to be indexed using the cost inflation index numbers. The cost of improvement also has to be added before calculating the capital gain.This article guides you through … [Read more...]

Residential / Commercial Property for a Non Resident Indian (NRI)

Many NRIs and Persons of Indian Origin (PIO) want to invest in India – in both commercial and residential properties. NRIs and PIOs also plan to buy such properties as an investment, and rent them out to earn a steady income stream.This article discusses various rules and restrictions related to … [Read more...]

Real Estate Investment

This article describes real estate as an asset class, and talks about the different avenues of investment possible in real estate. … [Read more...]

“Settle” early in life – buy a home when young

This article tells you why buying a house early in your life is a very good idea. … [Read more...]

Real Estate Investment Trusts (REITs)

This article introduces the concept of Real Estate Investment Trusts (REITs) and talks about their benefits. … [Read more...]

SEBI proposes Real Estate Investment Trusts (REITs)

Securities and Exchange Board of India (SEBI) has proposed introduction of Real Estate Investment Trusts (REITs). … [Read more...]