Home Loan Benefits

1
Home Loan Benefits

• What are the 4 major benefits of housing loan in
  India?

www.arthfc.com
2
Does home loan really have benefits?

• Buying a home is indeed a big step towards
  settling with family which involves stress,
  frustration, and a huge amount of money. With the
  rising property rates, not everybody can invest
  in buying a home through their own savings.
  Taking home loans from the banks has become the
  need of the hour for lower and middle class
  people.
• However, apart from being a source of burden,
  home loan also offers a few benefits which are

Capital Appreciation
Lower Interest Rate
Principal Repayment
Sense of Accomplishment
3
Whats Capital Appreciation?

• Capital Appreciation is an increase in the value
  of an asset. But how does this benefits you while
  taking the home loan?
• Considering the inflation in property rates over
  the recent decades, owning a home has become a
  source of greater investment for the people. With
  the rising property rate, rents too seem to
  increase.

While you take a stake in buying a house through
loan, in the next 5-10 years your propertys
value would rise, giving you more benefits in the
long run.
4
Lower Interest Rate? Where?

• Housing loan in India is a long-term plan where
  the interest may fluctuate timely. Therefore, you
  would be benefiting with the lower interest rate
  at one point of time.
• Interest rates have been lowered down from 18 to
  7 in the past giving hope to people putting
  their money in buying a new house.

Lower interest rate would even let you to prepay
the loan and owning your house in a comparatively
lower rate.
5
Whats Principal Repayment?

• Principal Repayment is the remaining amount of
  the periodic payment that is used to reduce the
  loan amount from the interest payment.
• Under Section 80C of the income tax, the
  principal repayment of more than 1 lakh on your
  home loan can be deducted out of the total gross
  income of an individual.

Housing loan in India allows a deduction of more
than 1 lakh under the Section 80C of the income
tax.
6
Feel Accomplished?

• There is not a single person in the world who
  doesnt wish to buy a home of his own. Buying a
  home of your own either through your savings or
  by taking a loan from the bank, gives you a sense
  of accomplishment.
• The feeling of buying and calling a house of your
  own, makes you feel successful to yourself.

Calling a house your own, gives you a feeling of
achieving something huge in life.
7

• If you wish to loan a house in India, you can
  contact us at www.arthfc.com
• Our aim is to fulfill the dream of every
  individual to own a house of their own!
• Humara Sapna, Sabka Ghar Ho Apna.