आपको युवावस्था में घर खरीदने के बारे में क्यों सोचना चाहिए?

One of the biggest financial decisions one makes in their life is that of buying a house. A big part of purchasing a house is the feeling of being independent and responsible, which is what most young people seek. While most people wait to buy or invest in a house until after they are in their 30s or 40s, we suggest you invest while you’re still young, and in your 20s. The main reasons for this are that one, when you are young, you have a steady flow of income without any accountability, and two, taking home loans at a young age is beneficial. Now, you may ask – how so? To answer this question, below are a few reasons showing you why buying a home at a young age by opting for a home loan is beneficial:

Your age is one of the most important factors when it comes to deciding your loan tenure at the time of taking a home loan. The maximum home loan tenure is 60 years minus your current age. Hence, the younger you are, longer the home loan tenure you will receive. Also, since a longer tenure means lesser EMI (equated monthly instalments) amounts, you won’t have to worry about getting lesser income to spend as well. It is both safer and wiser to pay off your home loan EMIs before your retirement so you can sit back and enjoy a peaceful retired life rather than extend working just to pay off your debts. If you wish to get an idea, then just calculate your EMIs based on your loan amount through our EMI calculator for home loans. this will help you decide whther you can avail a loat or not.

अगर आप नौकरीपेशा व्यक्ति हैं और टैक्स कटौती के दायरे में आते हैं, तो होम लोन लेने से आपको खुद ब खुद ही टैक्स कटौती के लाभ मिलने शुरू हो जाएंगे. होम लोन के प्रीपेमेंट के रूप में 2 कॉम्पोनेन्ट शामिल होते हैं यानी होम लोन के लिए ब्याज दर और मूल राशि का पुनर्भुगतान, ऐसे में इनकम टैक्स रिटर्न फाइल करते समय, भिन्न-भिन्न सेक्शन के तहत टैक्स कटौती के रूप में इन पर टैक्स लाभ के लिए क्लेम किया जा सकता है. होम लोन पर टैक्स लाभ इनकम टैक्स एक्ट के विभिन्न सेक्शन, यानी सेक्शन 24, 80C और 80EE द्वारा नियंत्रित किए जाते हैं।

20 की उम्र में घर खरीदना एक इन्वेस्टमेंट है. हालांकि अधिकांश लोग अपना पहला घर खरीदने के बाद ही इन्वेस्टमेंट के बारे में सोचते हैं, लेकिन आप जल्द से जल्द यह काम शुरू कर सकते हैं. यह आपको कई तरह से लाभ प्रदान करेगा. उदाहरण के लिए, इन्वेस्टमेंट के रूप में घर खरीदने के बाद, आप इसे किराए पर दे सकते हैं. इस तरह से, जैसे ही आप किरायेदार ढूंढ लेंगे, वैसे ही आप अपने इन्वेस्टमेंट पर लाभ कमाना शुरू कर देंगे।

Having your own home not only secures your finances, it also helps your money grow as the value of the property increases. Psychologically, owning a home often imparts a sense of stability and permanence. Being a homeowner in a neighbourhood of other homeowners also leads to a sense of being a part of a community. Also, the desire to maintain a stable environment can be an emotionally satisfying experience. Taking a home loan is much easier now because of the Pradhan Mantri Awas Yojana scheme, under which, first time home buyers have the benefit of getting home loans at cheaper interest rates. Need there be more reasons? Get going and purchase your first dream home now by applying for a home loan with us!