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>Foreclosing a Home Loan: Do?s and Don?ts

Posted by arwindsharma on July 6th, 2017


A Home Loan helps you fulfill the dream of purchasing your own home. Yet it also brings a considerable financial strain on your income. But deciding on whether to close a Home Loan can be difficult.




For certain individuals, the thought of existing EMIs creates a continual psychological stress. In such a case Cheap Custom Jerseys From China , it is always better to consider prepaying the Home Loan. At the same time, the person should also be prepared to pay a larger amount as the EMI.


This may further lead to another dilemma i.e. choosing between savings on interest paid to a bank, or the tax benefit in terms of saving on tax paid to the government.


Under the Income Tax Act, Home Loans are eligible for certain tax benefits Cheap Custom Jerseys China , as per section 80C for the principal amount repaid, and as per section 24C for the interest paid on the loan.


In case the house is self-occupied, the maximum deduction for the interest is Rs.2 lakh per annum. So if the total interest paid is greater than the tax deduction amount, it makes more sense to invest money in closing the loan. And i. Cheap Jerseys China Cheap Jerseys Wholesale Cheap Jerseys From China Cheap Jerseys From China Cheap Jerseys Free Shipping Cheap Soccer Jerseys Free Shipping Cheap Football Jerseys China Cheap Football Jerseys From China Wholesale Basketball Jerseys Wholesale MLB Baseball Jerseys