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Anagh Pal

Articles by Anagh Pal

Gold or real estate? Make informed investment choices this Akshaya Tritiya

Akshaya Tritiya 2025: With gold nearing ₹1 lakh, its safe-haven appeal is rising amid market volatility, prompting comparisons with equities and real estate

Akshaya Tritiya 2025: With gold nearing <span class='webrupee'>₹</span>1 lakh, its safe-haven appeal is rising amid market volatility, prompting comparisons with equities and real estate (Picture for representational purposes only)(Unsplash)

Real Estate

Published on Apr 30, 2025 09:09 AM IST

ByAnagh Pal

Homebuyers’ guide: Why owning a home involves more than just paying EMIs

From maintenance charges to property taxes, society fees, repairs, and utilities—the real cost of homeownership goes beyond just loan repayments

When purchasing a home, it’s important to account for these hidden or extra costs. And if you're planning to rent out your property, there are also certain deductions you should keep in mind. (Representational photo)(Pexels)

Real Estate

Published on Apr 26, 2025 08:13 AM IST

ByAnagh Pal

Here are 5 things you should keep in mind when investing in a second home

When investing in a second home, target locations with strong rental yields and capital growth, especially those with upcoming infrastructure

When investing in second homes, target locations with strong rental yields and capital growth, especially those with upcoming infrastructure. (Picture for representational purposes only)(Pixabay)

Real Estate

Published on Apr 19, 2025 08:54 AM IST

ByAnagh Pal

Redeveloped flat not taxable as ‘income from other sources,' rules ITAT

Mumbai redevelopment news: Income Tax Appellate Tribunal says transfer is 'extinguishment' of rights, not asset replacement or income gain

Real Estate

Published on Apr 14, 2025 10:15 AM IST

ByAnagh Pal

Real estate or gold—What’s the best investment in uncertain times?

Whether to invest in gold or real estate depends on your goals, risk tolerance, and time horizon, say personal finance experts

Real Estate

Published on Apr 12, 2025 07:43 AM IST

ByAnagh Pal

RBI MPC Repo Rate Cut: Should you consider investing in a house now?

RBI MPC Repo Rate Cut: With the RBI deciding to reduce repo rate by 25 bps, experts urge homebuyers to ensure income stability before investing in a house

Real Estate

Published on Apr 09, 2025 05:29 PM IST

ByAnagh Pal

Buy or Rent? Navigating property decisions under the old tax regime

When deciding to buy or rent property, understanding tax implications is crucial. Here's how HRA exemptions and home loan deductions impact financial choices

Should you rent or buy property? When evaluating financial decisions such as renting versus buying a property, understanding the tax implications under the old tax regime is crucial. (Representational photo).(Pixabay)

Real Estate

Published on Apr 06, 2025 10:24 AM IST

ByAnagh Pal

Planning to invest in property this financial year? 5 things to keep in mind

If you’re planning to invest in real estate this financial year, make sure your EMI doesn’t exceed 30–35% of your monthly take-home income

Buying a house is an emotional decision, but it should be driven by financial clarity—not peer pressure. (Picture for representational purposes only)(Pixabay)

Real Estate

Published on Apr 02, 2025 07:46 AM IST

ByAnagh Pal

Unlocking tax savings: How to navigate Capital Gains Tax on inherited properties

Inherited properties come with tax implications. Here are some tips for those who have inherited property to reduce their capital gains tax.

Capital gains tax: The cost of acquisition for inherited properties is generally the cost at which the previous owner acquired the property. (Photo for representational purposes only).(Pixabay)

Real Estate

Published on Mar 29, 2025 10:15 AM IST

ByAnagh Pal

Planning to sell your property? Here’s why timing it after April 1 makes sense

If you sell your property after April 1, the capital gain is taxed in the following financial year, giving you a full year to plan tax-saving investments

Personal finance update: If you’re planning to sell your property, make sure to wait until April 1, 2025. The primary advantage is the deferment of capital gains tax. (Picture for representational purposes only)(Pixabay)

Real Estate

Updated on Mar 24, 2025 09:24 AM IST

ByAnagh Pal

Here’s a look at income tax changes impacting homebuyers from April 1

The proposed amendment in the Budget 2025 lowers the TDS threshold for rental income from ₹2,40,000 per year to ₹50,000 per month or part thereof

Budget 2025 had some good news for homeowners and homebuyers. The changes proposed in the budget will come into effect on April 1, 2025. (Picture for representational purposes only)(Pixabay)

Real Estate

Updated on Mar 22, 2025 08:31 AM IST

ByAnagh Pal

Smart property investment strategies: Key mistakes homebuyers should avoid

Buying a property makes sense only if you're sure about living in the city. Many end up paying EMI in one city while renting in another due to career moves.

Property investment tips: Here's a look at mistakes homebuyers should avoid when purchasing an apartment. (Representational photo) (Pixabay)

Real Estate

Published on Mar 15, 2025 10:01 AM IST

ByAnagh Pal

Happy Women's Day 2025: 5 things women should know before investing in property

Women's Day 2025: Before buying a property, it is important to assess your finances. As a thumb rule, your EMIs should not exceed 40% of your net monthly income

Women's Day 2025: Many women who have high-paying jobs are planning to buy a property early in life, and that may not be a bad idea (Representational Photo)(Unsplash)

Real Estate

Published on Mar 08, 2025 12:03 PM IST

ByAnagh Pal

Can you afford senior living housing? Key factors to consider before buying

Before investing in a senior living project, it's crucial to estimate monthly expenses, evaluate total savings, and compare costs with your financial capacity

Real Estate

Published on Mar 06, 2025 11:27 AM IST

ByAnagh Pal

Does your home insurance cover earthquake damage? Here's what you need to know

Recent earthquakes in Delhi and Kolkata underscore the need for home insurance to protect against unpredictable natural disasters and financial losses.

Real Estate

Updated on Mar 03, 2025 10:47 AM IST

ByAnagh Pal

Is prepaying your home loan a smart financial move?

If you receive lump sum or extra money, use it to prepay your housing loan, then take the saved EMI and invest it in SIPs, say personal finance experts

Prepayment is particularly beneficial for those nearing retirement, helping them clear liabilities before their income stream decreases, say personal finance experts. (Representational photo)(Pixabay)

Real Estate

Published on Feb 27, 2025 07:42 AM IST

ByAnagh Pal

Income Tax Bill 2025: New Bill clarifies carry forward of house property losses

If you have a loss from one house property, you can adjust it against income from another house property

The New Income Tax Bill 2025, which aims to replace the Income Tax Act 1961, seeks to simplify and simplify tax rules. (Picture for representational purposes only)(Pixabay)

Real Estate

Updated on Feb 21, 2025 11:41 AM IST

ByAnagh Pal

Income Tax Bill 2025: Long-Term Capital Gains Tax on property remains unchanged

For property bought prior to July 23 2024, the tax on LTCG is computed as lower of 12.5% (without indexation) or 20% (with indexation), plus surcharge and cess

Income tax bill 2025: For property bought prior to July 23 2024, the tax on LTCG is computed as lower of 12.5% (without indexation) or 20% (with indexation), plus surcharge and cess

Real Estate

Published on Feb 15, 2025 09:25 AM IST

ByAnagh Pal

5 Things NRIs Need To Know Before Buying Property In India

Indian banks offer home loans for NRIs covering 80-85% of the property value, with repayment terms ranging from 10 to 20 years

Indian banks allow NRIs to obtain home loans by issuing financing worth 80-85% of the property value during a 10 to 20-year period. NRIs can also make full payment without taking a home loan. (Photo for representational purposes only)(Pixabay)

Real Estate

Published on Feb 13, 2025 11:46 AM IST

ByAnagh Pal

Big relief for home loan borrowers as RBI slashes repo rate by 25 basis points

RBI's repo rate cut by 25 bps to 6.25% post-Budget 2025 brings significant savings for home loan borrowers. Existing and new buyers can benefit from lower EMIs

The RBI rate cut will help improve loan affordability and boost housing demand

Real Estate

Published on Feb 07, 2025 03:35 PM IST

ByAnagh Pal

Homeowners can now claim tax relief on two properties

Homeowners could earlier claim only one self-occupied property as tax-free; now, they can claim two

Budget 2025: Homeowners can now claim nil valuation for two self-occupied properties instead of one. (Representational photo)(File Photo)

Real Estate

Updated on Feb 02, 2025 01:29 PM IST

ByAnagh Pal

Which apartment type can you target with an income of up to ₹12 lakh?

Budget 2025 exempts income up to ₹12 lakh from taxation under the new regime. This will potentially create more opportunities for such homebuyers to invest

Budget 2025 exempts income up to <span class='webrupee'>₹</span>12 lakh from taxation under the new regime. This makes homeownership more accessible for those in this income bracket. (Representational photo)(iStock)

Real Estate

Published on Feb 01, 2025 06:49 PM IST

ByAnagh Pal

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Anagh Pal

Akshaya Tritiya 2025: With gold nearing ₹1 lakh, its safe-haven appeal is rising amid market volatility, prompting comparisons with equities and real estate

From maintenance charges to property taxes, society fees, repairs, and utilities—the real cost of homeownership goes beyond just loan repayments

When investing in a second home, target locations with strong rental yields and capital growth, especially those with upcoming infrastructure

Mumbai redevelopment news: Income Tax Appellate Tribunal says transfer is 'extinguishment' of rights, not asset replacement or income gain

Whether to invest in gold or real estate depends on your goals, risk tolerance, and time horizon, say personal finance experts

RBI MPC Repo Rate Cut: With the RBI deciding to reduce repo rate by 25 bps, experts urge homebuyers to ensure income stability before investing in a house

When deciding to buy or rent property, understanding tax implications is crucial. Here's how HRA exemptions and home loan deductions impact financial choices

If you’re planning to invest in real estate this financial year, make sure your EMI doesn’t exceed 30–35% of your monthly take-home income

Inherited properties come with tax implications. Here are some tips for those who have inherited property to reduce their capital gains tax.

If you sell your property after April 1, the capital gain is taxed in the following financial year, giving you a full year to plan tax-saving investments

The proposed amendment in the Budget 2025 lowers the TDS threshold for rental income from ₹2,40,000 per year to ₹50,000 per month or part thereof

Buying a property makes sense only if you're sure about living in the city. Many end up paying EMI in one city while renting in another due to career moves.

Women's Day 2025: Before buying a property, it is important to assess your finances. As a thumb rule, your EMIs should not exceed 40% of your net monthly income

Before investing in a senior living project, it's crucial to estimate monthly expenses, evaluate total savings, and compare costs with your financial capacity

Recent earthquakes in Delhi and Kolkata underscore the need for home insurance to protect against unpredictable natural disasters and financial losses.

If you receive lump sum or extra money, use it to prepay your housing loan, then take the saved EMI and invest it in SIPs, say personal finance experts

If you have a loss from one house property, you can adjust it against income from another house property

For property bought prior to July 23 2024, the tax on LTCG is computed as lower of 12.5% (without indexation) or 20% (with indexation), plus surcharge and cess

Indian banks offer home loans for NRIs covering 80-85% of the property value, with repayment terms ranging from 10 to 20 years

RBI's repo rate cut by 25 bps to 6.25% post-Budget 2025 brings significant savings for home loan borrowers. Existing and new buyers can benefit from lower EMIs

Homeowners could earlier claim only one self-occupied property as tax-free; now, they can claim two

Budget 2025 exempts income up to ₹12 lakh from taxation under the new regime. This will potentially create more opportunities for such homebuyers to invest

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