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Home Loan - Need or Necessity
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Written by Vishal Gupta
Vishal Gupta holds wide knowledge and expertise in digital strategy, product management, campaign design and ideation.
Food, water, clothing, breathing, shelter and sleep basic necessities of a human being, reside at the bottom of the Maslow pyramid hierarchy of human needs oncept by Abraham Maslow in 1970. People work hard to earn these basic necessities and achieve them first in order to move on to the next level of hierarchy.
Being shelter one of these basic necessities it often confuses one to own a home or live in rent. With increasing property prices day by day, it becomes more and more difficult for a person to get this basic necessity fulfilled. One of the easiest ways to get the same is to avail a home loan.
Today Government is extending helping hands by providing interest subsidy* to the ones who deserve and match the set criteria. One such assistance is Credit Linked Subsidy Scheme CLSS under Pradhan Mantri Awas Yojana.
Its eligibility parameters are mentioned below -
| Category | Annual Household income |
Unit Carpet AreaSq.mts |
Interest Subsidy | Maximum Subsidy AMount |
| EWS | Upto Rs 3 lac | - | 6.5% | 2.67 lacs* |
| LIG | Rs 3 lac-Rs 6 lac | - | 6.5% | 2.67 lacs* |
| MIG I | Rs 6 lac- Rs 12 lac | 90 | 4% | 2.35 lacs* |
| MIG II | Rs 12 lac-Rs 18 lac | 110 | 3% | 2.30 lacs* |
In addition to these benefits, housing loan EMI payable by the borrower can be claimed under Income Tax Act. The housing loan EMI consists of - principal amount as Rs. 1, 50,000/- deductible under section 80C and interest amount as Rs 2, 000, 00/- deductible under section 24 of the Income Tax Act to get additional benefits.
| Person A | Person B |
| Income Rs 7 lac | Income Rs 7 lac |
| Tax Rebate Rs 3.5 lac housing loan principal + interest | No Home Loan and tax deduction of Rs 50,000 under PPF |
| Remaining Amount Rs 3.5 lac | Remaining Amount Rs 6.5 lac |
| Taxable Income Rs 3.5 lac Rs 2.5 lac free = Rs 1 lac | Taxable Income Rs 6.5 lac Rs 2.5 lac free = Rs 4 lac |
| Tax 5% of Rs 1 lac = Rs 5000 only | Tax 5% of Rs 2.5 lakh = Rs 12,500 20% of Rs 1.5 lakh = Rs 30,000 Total = Rs 42,500 |
The above table shows how home loan save tax
Some of one might hesitate to avail a home loan; perhaps the thought is that one residual income is reduced by paying EMI. Well, this thought is to some extent is valid but not for all. If we look at another way, the applicant can save his/her rent, gets tax rebate & subsidy if any which can be adjusted towards EMI. And in this context, one should also remember the opportunity cost and law of sacrifice, o be successful in something, you should give up something
Next question that might come to mind is hat if possession is at the later stage Yes, this happens and in this case, one can always opt for PRE EMI option; this is just the interest portion on the disbursed loan amount that one pays until the full disbursal is done.
So to conclude the question we started with ome Loan A need or necessity It better to say it a need driven by necessity.
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Disclaimer: The information contained in this post is for general information purposes only. IIFL Home Finance Limited (including its associates and affiliates) ("the Company") assumes no liability or responsibility for any errors or omissions in the contents of this post and under no circumstances shall the Company be liable for any damage, loss, injury or disappointment, etc. suffered by any reader. All information in this post is provided "as is", with no guarantee of completeness, accuracy, timeliness, or of the results, etc. obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. Given the changing nature of laws, rules, and regulations, there may be delays, omissions, or inaccuracies in the information contained in this post. The information on this post is provided with the understanding that the Company is not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. This post may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other agency or organization. This post may also contain links to external websites that are not provided or maintained by or in any way affiliated with the Company and the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Any/ all (Home/ Loan Against Property/ Secured Business Loan/ Balance Transfer/ Home Improvement Loan/ NRI Home Loan/ Home Loan for Uniformed Services) loan product specifications and information that may be stated in this post are subject to change from time to time, readers are advised to reach out to the Company for current specifications of the said (Home/ Loan Against Property/ Secured Business Loan/ Balance Transfer/ Home Improvement Loan/ NRI Home Loan/ Home Loan for Uniformed Services) loan.