Finance

Owing a Property is a huge milestone, but it comes with its fair share of responsibilities. This includes understanding your taxes and more. One term you’ll often come across while filing taxes is the annual value of house property. If you are a new taxpayer, this may be something difficult to understand. In this blog, we’ll look into what the annual value of house property means, how to calculate...

In the intricate world of home financing, selecting the right interest rate structure is not just a financial decision — it's a strategic move that can significantly impact your long-term affordability, budgeting discipline, and investment returns. At 99Realty Blogs, we understand how crucial this choice is. This in-depth guide explores fixed vs floating interest rates in India, dissecting every element...

Axis Finance Limited, a leading non-banking financial company (NBFC) in India, has launched the Axis Finance Disha Home Loans, a tailored financial product aimed at facilitating homeownership for individuals across various income segments. This initiative aligns with the government's efforts to enhance access to housing finance, particularly for economically weaker sections (EWS) and low-income groups...

A home loan is a financial product offered by banks and financial institutions to assist individuals in purchasing residential properties. The borrower agrees to repay the loan amount, along with interest, over a specified tenure through Equated Monthly Installments (EMIs). A well-planned down payment is pivotal in securing favorable home loan terms in India. It not only reduces your loan burden but also...

Alternative Investment Funds (AIFs) in India have experienced remarkable growth in recent years, with real estate emerging as the leading sector for investments as per reports. In the first half of FY25, AIFs invested ₹75,468 crore in the real estate sector, accounting for 17% of the total AIF investments of ₹4,49,384 crore across various sectors. Understanding Alternative Investment Fund...

Tax Deducted at Source (TDS) is an important aspect of real estate transactions in India. Section 194IA of the Income Tax Act, 1961, mandates buyers to deduct TDS when purchasing a property above a certain value threshold. Understanding the applicability, calculation, and compliance requirements of TDS ensures smooth property transactions while avoiding legal complications. This guide provides a...

Long-term capital gains (LTCG) tax on property is a pivotal aspect for high-net-worth individuals (HNIs) in India, especially when engaging in real estate transactions. Understanding the nuances of LTCG tax regulations is essential for effective financial planning and optimizing tax liabilities. Recent Developments in LTCG Taxation In the Union Budget 2024-25, significant amendments were introduced...

India's real estate sector stands as a cornerstone of its economy, intricately linked to various macroeconomic factors. Understanding these dynamics is essential for stakeholders aiming to navigate and capitalize on market opportunities. Gross Domestic Product (GDP) Growth and Real Estate Demand Correlation Between GDP Growth and Real Estate Economic expansion directly influences real estate...

The Union Budget 2025 introduces a series of transformative measures aimed at revitalizing the real estate sector and making homeownership more attainable for the middle class. These initiatives are poised to stimulate economic growth, bolster infrastructure development, and restore confidence among homebuyers and investors. Significant Tax Relief for the Middle Class A pivotal component of the...

The upcoming Union Budget 2025 presents a pivotal opportunity to implement strategic policy reforms that can significantly enhance the real estate sector's contribution to India's economic development. By addressing key areas such as affordable housing, industry status recognition, taxation, regulatory frameworks, infrastructure development, sustainable building practices, and foreign investment, we can...