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Anagh Pal

Anagh Pal

Articles by Anagh Pal

Gifting property to wife? No capital gains tax, but asset income may be taxable

The Income Tax Appellate Tribunal (ITAT) has ruled that any income generated from the gifted asset, such as rent or dividends, is added to the donor’s income and taxed accordingly. (Picture for representational purposes only)(Unsplash)

Updated on Sep 14, 2025 03:49 PM IST

GST rate cuts: Is building on a plot cheaper than buying an apartment?

GST rate cuts: Is building on your own plot more affordable than buying an apartment in a gated housing society? (Photo for representational purposes only)(Pixabay)

Updated on Sep 09, 2025 09:18 AM IST

GST 2.0: Can lower taxes on construction materials help you buy an apartment?

The GST Council’s move to reduce tax rates on key construction materials like cement is expected to lower project costs for real estate developers and offer some relief to homebuyers. (Photo for representational purposes only) (Pixabay)

Updated on Sep 08, 2025 09:56 AM IST

GST cut on cement brings festive relief, but will realtors pass it on to buyers?

The GST Council’s move to cut tax rates on essential construction materials is expected to reduce project costs, offering relief to both developers and homebuyers. (Photo for representational purposes only)(Pixabay)

Updated on Sep 05, 2025 12:04 PM IST

No EMI till possession scheme: 5 reasons why homebuyers should think twice

No-EMI till possession schemes seem tempting, but buyers risk liability if developers default, with banks chasing them for repayments after possession. (Representational Image)(Unsplash )

Updated on Aug 31, 2025 10:10 AM IST

GST Council Meeting: Will the proposed 40% slab make luxury homes costlier?

GST Council Meeting: Real estate experts say that the proposed 40% GST on imported fittings would raise the cost of premium finishes and specialised materials, pushing up construction expenses. (Photo for representational purposes only)(Pexels)

Updated on Sep 03, 2025 01:15 PM IST

6 things NRIs should keep in mind before investing in property back home

NRIs looking to invest in property back home must first align the purchase with a clear intent, be it self-use, rental income, or long-term asset appreciation. (Photo for representational purposes only)(Pexels)

Published on Aug 26, 2025 05:31 PM IST

Reverse mortgage: Unlocking home equity, what seniors and heirs need to know

A reverse mortgage lets a senior citizen borrow money from a bank by using their house as security, without selling it. Here, the bank pays an amount to the owner monthly, quarterly or as a lump sum (Representational photo) (Pexels)

Published on Aug 23, 2025 10:24 AM IST

Will the two-slab GST proposal benefit real estate and homebuyers?

The Central government has proposed two tax rates of 5% and 18% in the revamped goods and services tax (GST), slated to replace the current indirect tax regime by Diwali this year. (Representative photo) (iStockphoto)(MINT_PRINT)

Updated on Aug 18, 2025 08:34 AM IST

Can home renovations reduce capital gains tax for property sellers?

For the purposes of computing capital gains taxes, home renovation expenses or expenses of capital nature shall be regarded as cost of improvement of the asset and can be added to cost of acquisition. (Photo for representational purposes only) (Pixabay)

Updated on Aug 12, 2025 09:49 AM IST

3 smart strategies to lower your home loan EMI after RBI's rate pause

RBI has reduced the repo rate by 100 basis points this year. If your home loan interest rate hasn't decreased in line with this, you can approach your lender to request a better rate. (Photo for representational purposes only) (Pixabay)

Updated on Aug 07, 2025 08:51 AM IST

CIBIL score: Do missed EMIs on delayed projects affect your credit rating?

Delayed real estate projects: Any default, regardless of the reason, is recorded in the borrower’s credit history and can lead to a significant drop in the credit score. (Photo for representational purposes only)(Pixabay)

Updated on Aug 24, 2025 04:27 PM IST

Section 54: Can a wife claim tax exemption on gifted flat sale?

Intra-family transfers, such as property gifts or sales between spouses, are considered legitimate if executed through a registered gift or sale deed. (Photo for representative purposes only)(Pexels)

Updated on Aug 03, 2025 09:23 AM IST

Has your builder delayed flat possession? Here's how to manage EMI and rent

Delayed flat possession? A homebuyer’s guide to handling EMIs and rent (Photo for representational purposes only)(Pexels)

Updated on Jul 28, 2025 08:50 AM IST

Planning to sell a property gifted by your parents? Here's what you must know

Even though you got the property as a gift, without paying anything, the Income-tax Act doesn’t treat the cost of the property as zero. (Photo for representational purposes only)(Pixabay)

Updated on Jul 27, 2025 01:30 PM IST

What resident Indians must know when buying property from NRIs

When an Indian resident buys a property from an NRI, the resident buyer should deduct 20% as TDS from the total sale value, say experts. (Representational Image)(Unsplash)

Published on Jul 20, 2025 08:32 PM IST

As a first-time buyer, should you invest in a Tier 2 city and rent in a metro?

As metros like Mumbai, Gurugram, and Bengaluru grow unaffordable, first-time buyers may find it practical to rent in metros and invest in Tier 2 markets for growth and income. (Representational Photo)(Pixabay)

Updated on Jul 20, 2025 09:28 AM IST

Sold your property? Should you invest in Section 54EC bonds to save capital gain

If you’ve sold property and want to save on capital gains tax, 54EC bonds may help if you’re okay with low returns, capital protection, and a lock-in period. (Representational photo)(Pexels)

Published on Jul 12, 2025 08:30 AM IST

Trump’s Big Beautiful Bill: Impact on NRI remittances and property investments

With US President Donald Trump’s Big Beautiful Bill clearing Congress, many Indian NRIs are now questioning how it will affect their finances, from remittances and rental income to future real estate investments. (Representational photo)(AFP)

Updated on Jul 05, 2025 11:13 AM IST

109 years in Mumbai, 64 in Gurugram: Can top earners still afford to own a home?

According to recent National Housing Board (NHB) data, the top 5% of income earners in Mumbai would need a staggering 109 years to afford a home. (Representational Image) (Mehul R Thakkar/HT)

Updated on Jun 30, 2025 01:18 PM IST

To rent or sell property? Here’s what you should know to make the right decision

Rent versus buy: Renting a property is typically more viable in mature, saturated markets, while selling is often better suited to early-stage growth areas. (Picture for representational purposes only)(Unsplash)

Published on Jun 26, 2025 09:07 AM IST

Ready-to-move-in versus under-construction homes: A reality check

Under-construction homes are typically priced 15–20% lower than ready units, but buyers may have to wait three to four years or more for possession. (Picture for representational purposes only)(Pexels)

Published on Jun 22, 2025 08:36 AM IST

Planning to buy a ₹2 crore home? A large down payment can ease your EMI burden

Planning to buy a <span class='webrupee'>₹</span>2 crore apartment? Ensure you have enough savings for a sizable down payment to lower your EMIs and ease financial strain. (Picture for representational purposes only) (Unsplash)

Updated on Jun 14, 2025 07:57 AM IST

RBI cuts repo rate by 100 bps in 2025; home buyers may have to wait for benefit

Despite the RBI's clear direction, banks and lending institutions often delay or partially pass on the benefits of rate cuts to home loan borrowers. (Representational photo)(Pixabay)

Published on Jun 10, 2025 03:36 PM IST

RBI’s 50 bps repo rate cut bonanza: Here’s how it will impact homebuyers’ EMIs

RBI’s rate cut lets homebuyers borrow more without raising EMIs. With a neutral stance, further cuts are unlikely, making it a good time to buy for those ready (Picture for representational purposes only)(Pixabay)

Published on Jun 07, 2025 09:28 AM IST

5 things NRIs should keep in mind before investing in property in India

NRIs, after acquiring a property in India, should file annual income tax returns even if the income generated from the apartment is below the taxable threshold (Picture for representational purposes only)(Pexels)

Updated on Jun 03, 2025 08:26 AM IST

Homebuyers' guide: What you must know about the ‘whichever is earlier' clause

Homebuyers should note that sale agreements often tie payments to a construction milestone or a set date, whichever comes first (Representational photo)(Pixabay)

Updated on Jun 01, 2025 07:11 PM IST

Trump’s 5% remittance Tax: Should NRIs speed up property investments back home?

US President Donald Trump's decision to impose a 5% tax on international remittances sent by non-citizens is likely to significantly affect real estate investments back home, say experts. (Photo for representational purposes only)(Pexels)

Published on May 20, 2025 04:04 AM IST

Can you afford that ₹4 crore+ luxury apartment after retirement?

Homebuyers' Guide: If you're buying a large flat, assess the total ownership cost, including maintenance and taxes. In real estate, it’s not just about buying—it’s about sustaining it post-retirement. (Photo for representational purposes only)(Pexels)

Updated on Jun 15, 2025 11:52 AM IST

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

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)

Published on Apr 30, 2025 09:09 AM IST

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