{"id":10674,"date":"2026-02-10T10:50:47","date_gmt":"2026-02-10T10:50:47","guid":{"rendered":"https:\/\/aurorealty.com\/blog\/?p=10674"},"modified":"2026-03-28T07:30:45","modified_gmt":"2026-03-28T07:30:45","slug":"home-loan-tax-benefits-fy-2025-26-complete-guide","status":"publish","type":"post","link":"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/","title":{"rendered":"HOME LOAN TAX BENEFITS FY 2025-26: COMPLETE GUIDE FOR BUYERS"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<label class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/label>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Old_vs_New_Tax_Regime_Which_Saves_Homeowners_More\" >Old vs New Tax Regime: Which Saves Homeowners More?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#The_Joint_Loan_Strategy_How_Couples_Save_%E2%82%B97_Lakhs_Annually\" >The Joint Loan Strategy: How Couples Save \u20b97 Lakhs Annually<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Under-Construction_vs_Ready-to-Move_When_Do_Tax_Benefits_Start\" >Under-Construction vs Ready-to-Move: When Do Tax Benefits Start?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Why_Hyderabad_Properties_Offer_Tax-Efficient_Investment_Opportunities\" >Why Hyderabad Properties Offer Tax-Efficient Investment Opportunities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Before_Buying\" >Before Buying:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div><p>Indian <a href=\"https:\/\/aurorealty.com\/blog\/nris-need-to-keep-this-in-mind-before-buying-a-home-in-india\/\">homebuyers <\/a>can save up to \u20b97 lakhs annually under the Old Tax Regime (FY 2025-26): Section 24(b) allows \u20b92 lakh deduction on <a href=\"https:\/\/aurorealty.com\/blog\/how-to-apply-home-loan-kondapur-hyderabad\/\">home loan interest<\/a>, <a href=\"https:\/\/aurorealty.com\/blog\/ways-to-improve-your-credit-score-to-get-a-favourable-home-loan\/\">Section 80C<\/a> provides \u20b91.5 lakh deduction on <a href=\"https:\/\/aurorealty.com\/blog\/home-loan-tips-what-you-should-know-before-applying-for-the-best-interest-rates\/\">principal repayment<\/a> plus stamp duty\/registration. <a href=\"https:\/\/aurorealty.com\/blog\/home-loan-tips-what-you-should-know-before-applying-for-the-best-interest-rates\/\">Joint loan<\/a> co-borrowers can claim deductions separately, doubling household benefits. Note: Most housing tax benefits unavailable under New Tax Regime, making Old Regime preferable for homeowners purchasing <a href=\"https:\/\/aurorealty.com\/blog\/luxury-apartments-for-sale-kondapur-locations-guide\/\">luxury apartments<\/a> or <a href=\"https:\/\/aurorealty.com\/blog\/best-areas-to-buy-property-in-hyderabad\/\">residential projects<\/a>.<\/p>\n\n<p>Buying your dream home in Hyderabad just got more financially rewarding\u2014but only if you know the tax code. While everyone focuses on EMI calculations and property appreciation, savvy homebuyers leverage tax deductions that can save lakhs annually, effectively subsidizing the cost of owning those premium <a href=\"https:\/\/aurorealty.com\/blog\/why-bigger-luxury-apartments-are-on-the-rise-in-hyderabad\/\">3 BHK flats for sale in Hyderabad<\/a>. With FY 2025-26 bringing crucial changes in tax regime defaults, understanding which deductions you&#8217;re entitled to\u2014and which regime to choose\u2014can mean the difference between maximizing wealth or leaving money on the table.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Old_vs_New_Tax_Regime_Which_Saves_Homeowners_More\"><\/span><strong>Old vs New Tax Regime: Which Saves Homeowners More?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p data-aeo-direct=\"1\"><strong>Here&#8217;s the critical choice every homebuyer must make in FY 2025-26: the <a href=\"https:\/\/aurorealty.com\/blog\/property-registration-process-in-telangana-a-guide\/\">New Tax Regime<\/a> is now the default, offering lower tax slabs but eliminating most deductions.<\/strong> The <a href=\"https:\/\/aurorealty.com\/blog\/smart-tax-saving-tips-for-real-estate-investors\/\">Old Tax Regime<\/a>, while having higher base rates, preserves powerful housing-related deductions under <a href=\"https:\/\/aurorealty.com\/blog\/smart-tax-saving-tips-for-real-estate-investors\/\">Section 24(b) <\/a>and 80C.<\/p>\n\n<p><strong>The Math:<\/strong> If you&#8217;re servicing a home loan of \u20b950 lakhs or more\u2014typical for <a href=\"https:\/\/aurorealty.com\/blog\/luxury-apartments-for-sale-kondapur-locations-guide\/\">luxury apartments in Kondapur<\/a> or Gachibowli\u2014your annual interest component alone could be \u20b93-4 lakhs. Under the Old Regime, you can claim \u20b92 lakhs as a deduction. Under the New Regime? Zero.<\/p>\n\n<p><strong>Bottom Line:<\/strong> For property owners, the Old Tax Regime almost always delivers superior savings, especially for high-value <a href=\"https:\/\/aurorealty.com\/blog\/best-areas-to-buy-property-in-hyderabad\/\">residential projects in Hyderabad<\/a> where loan amounts and interest components are substantial.<\/p>\n\n<div style=\"background: linear-gradient(135deg, #f0f7ff, #e8f4fd); border-left: 4px solid #0f3460; padding: 20px 24px; margin: 24px 0; border-radius: 0 8px 8px 0;\">\n<p style=\"margin: 0 0 8px; font-weight: 700; color: #0f3460; font-size: 16px;\">Our Professional Perspective<\/p>\n<p style=\"margin: 0; color: #333; line-height: 1.7;\">Having assisted over 500 homebuyers with their property purchases in Hyderabad, our team consistently finds that buyers in the \u20b980L-\u20b91.5Cr bracket benefit most from the Old Tax Regime when they have an active home loan. For a typical 3BHK purchase in Kondapur or Gachibowli with a \u20b975L loan at 8.5% interest, the combined Section 80C and Section 24(b) deductions can reduce annual tax liability by \u20b91.5-2.5 lakhs in the first five years of the loan \u2014 a tangible savings that often tips the rent-vs-buy equation.<\/p>\n<p style=\"margin: 10px 0 0; font-size: 13px; color: #666; font-style: italic;\">Disclaimer: This article provides general information about tax provisions as applicable in FY 2025-26. Tax laws are subject to change. Please consult a qualified Chartered Accountant or tax advisor for advice specific to your financial situation.<\/p>\n<p style=\"margin: 8px 0 0; font-size: 13px; color: #666;\">\u2014 Auro Realty Team | <a href=\"https:\/\/aurorealty.com\/blog\/editorial-policy\/\" style=\"color: #0f3460;\">Our Editorial Standards<\/a><\/p>\n<\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Section 24(b): Your Biggest Tax Weapon (\u20b92 Lakh Annual Deduction)<\/strong><\/h3>\n\n<p>This provision allows you to deduct home loan interest from taxable income.<\/p>\n\n<p>Key Details:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Maximum limit:<\/strong> \u20b92 lakhs per financial year for self-occupied property<\/li>\n\n<li><strong>Condition:<\/strong> Property must be acquired\/constructed within 5 years of loan sanction<\/li>\n\n<li><strong>Rented property:<\/strong> Unlimited interest deduction (but loss set-off against salary capped at \u20b92 lakhs)<\/li>\n<\/ul>\n\n<p><strong>Real Example:<\/strong> If you buy a 3 BHK flat for \u20b91.2 crores in Hitec City with 80% financing, your annual interest in early years could be \u20b97-8 lakhs. You can claim \u20b92 lakhs as deduction, reducing your taxable income significantly\u2014translating to \u20b962,000 in tax savings at 31% bracket.<\/p>\n\n<h3>Section 80C: Principal Repayment + Registration Benefits (\u20b91.5 Lakh)<\/h3>\n\n<p>The principal portion of your EMI qualifies for Section 80C deduction, along with stamp duty and registration charges.<\/p>\n\n<h3>What&#8217;s Included:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Principal repayment: Up to \u20b91.5 lakhs annually<\/li>\n\n<li>Stamp duty &amp; registration: Deductible in the year paid (within 80C cap)<\/li>\n<\/ul>\n\n<p><strong>Important Caveat:<\/strong> Section 80C has an aggregate limit covering PPF, insurance, ELSS investments. If you&#8217;ve already maxed this out, housing benefits become incremental rather than additive.<\/p>\n\n<p><strong>Lock-in Warning:<\/strong> Sell the property within 5 years of possession, and previously claimed principal deductions get added back to your income and taxed.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Joint_Loan_Strategy_How_Couples_Save_%E2%82%B97_Lakhs_Annually\"><\/span><strong>The Joint Loan Strategy: How Couples Save \u20b97 Lakhs Annually<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1143\" src=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262.jpg\" alt=\"Home loan tax benefits FY 2025-26 infographic Section 24b 80C joint loan strategy save 7 lakhs annually Old Tax Regime\" class=\"wp-image-10676\" style=\"width:2048px\" srcset=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262.jpg 2048w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262-300x167.jpg 300w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262-1024x572.jpg 1024w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262-768x429.jpg 768w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262-1536x857.jpg 1536w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-262-150x84.jpg 150w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/><\/figure>\n\n<p><\/p>\n\n<p>For high-value luxury apartments\u2014think \u20b92-3 crore properties in Gachibowli&#8217;s premium towers\u2014individual deduction limits barely scratch the surface of actual interest paid.<\/p>\n\n<p><strong>The Solution:<\/strong> Joint home ownership with both spouses as co-borrowers and co-owners.<\/p>\n\n<h3>Combined Benefits:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest deduction:<\/strong> \u20b92 lakhs \u00d7 2 = \u20b94 lakhs (Section 24b)<\/li>\n\n<li><strong>Principal deduction:<\/strong> \u20b91.5 lakhs \u00d7 2 = \u20b93 lakhs (Section 80C)<\/li>\n\n<li><strong>Total household benefit:<\/strong> \u20b97 lakhs income shielded from taxes<\/li>\n<\/ul>\n\n<p><strong>Tax Savings at 31% Bracket:<\/strong> \u20b92.17 lakhs per year\u2014enough to cover club membership fees, property tax, and annual maintenance for most residential projects in Hyderabad.<\/p>\n\n<p>This strategy transforms seemingly expensive luxury apartments into financially prudent investments where tax savings effectively subsidize ownership costs.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Under-Construction_vs_Ready-to-Move_When_Do_Tax_Benefits_Start\"><\/span><strong>Under-Construction vs Ready-to-Move: When Do Tax Benefits Start?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>A common confusion for buyers exploring upcoming residential projects in Hyderabad: can you claim deductions during construction?<\/p>\n\n<p><strong>The Rule:<\/strong> No. Tax benefits begin only after receiving the Completion Certificate or possession.<\/p>\n\n<p><strong>However\u2014Pre-Construction Interest Isn&#8217;t Lost:<\/strong> The interest paid during construction (pre-EMI interest) can be aggregated and claimed in 5 equal annual installments starting from the possession year, subject to the \u20b92 lakh annual cap under Section 24(b).<\/p>\n\n<p><strong>Strategic Insight:<\/strong> Ready-to-move 3 BHK flats for sale in Kondapur offer immediate tax relief, improving cash flow from year one. Under-construction properties require patience but allow accumulation of pre-construction interest for future claims.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Hyderabad_Properties_Offer_Tax-Efficient_Investment_Opportunities\"><\/span><strong>Why Hyderabad Properties Offer Tax-Efficient Investment Opportunities<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p data-aeo-direct=\"1\"><strong>Hyderabad&#8217;s real estate market provides unique advantages.<\/strong> Property prices in corridors like Kondapur (\u20b98,000-12,000\/sq ft), Gachibowli (\u20b910,000-15,000\/sq ft), and Hitec City remain competitive versus Mumbai (\u20b925,000+\/sq ft) or Bangalore (\u20b915,000+\/sq ft), yet appreciation rates match or exceed these metros at 15-22% over 3-5 years.<\/p>\n\n<p><strong>The Sweet Spot:<\/strong> By utilizing joint home loans, dual-income couples can comfortably service EMIs for premium residential projects while maximizing tax deductions. The savings effectively subsidize the difference between standard apartments and luxury offerings with superior amenities, security, and resale value.<\/p>\n\n<p><strong>Capital Gains Advantage:<\/strong> Selling an older property to upgrade? Section 54 allows you to save 100% of Long-Term Capital Gains tax by reinvesting in another residential property within specified timeframes\u2014now capped at \u20b910 crore investment, perfect for Hyderabad&#8217;s luxury segment.<\/p>\n\n<div style=\"background: #fafafa; border: 1px solid #e0e0e0; padding: 16px 20px; margin: 20px 0; border-radius: 8px; font-size: 14px;\">\n<p style=\"margin: 0 0 6px; font-weight: 600; color: #333;\">Sources &#038; References<\/p>\n<p style=\"margin: 0; color: #555; line-height: 1.7;\">Tax provisions cited in this guide are sourced from the Income Tax Act, 1961 as amended by Finance Act 2025, accessible via <a href=\"https:\/\/incometaxindia.gov.in\" target=\"_blank\" rel=\"noopener nofollow\">incometaxindia.gov.in<\/a>. Home loan interest rate data is from RBI&#8217;s monetary policy updates (<a href=\"https:\/\/rbi.org.in\" target=\"_blank\" rel=\"noopener nofollow\">rbi.org.in<\/a>). Property rate comparisons use IGRS Telangana registration data (<a href=\"https:\/\/registration.telangana.gov.in\" target=\"_blank\" rel=\"noopener nofollow\">registration.telangana.gov.in<\/a>) and NHB RESIDEX housing price indices (<a href=\"https:\/\/residex.nhbonline.org.in\" target=\"_blank\" rel=\"noopener nofollow\">residex.nhbonline.org.in<\/a>).<\/p>\n<\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Action Steps: Maximizing Your Tax Benefits<\/strong><\/h3>\n\n<figure class=\"wp-block-image blog-right-img\"><img decoding=\"async\" src=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/02\/HOME-LOAN-TAX-BENEFITS-FY-2025-263.jpg\" alt=\"Luxury apartments residential projects Hyderabad 3 BHK flats Hitec City offering high ROI tax benefits\"\/><\/figure>\n\n<h2><span class=\"ez-toc-section\" id=\"Before_Buying\"><\/span>Before Buying:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n<li>Calculate tax savings under both regimes using your actual salary and deductions<\/li>\n\n<li>For loans above \u20b950 lakhs, consider joint ownership to double benefits<\/li>\n\n<li>Factor tax savings into affordability calculations\u2014they effectively reduce borrowing costs<\/li>\n<\/ol>\n\n<p><strong>During Purchase:<\/strong> 4. Claim stamp duty\/registration under Section 80C in the payment year 5. Maintain all loan-related documents (sanction letter, interest certificates, possession certificate)<\/p>\n\n<p><strong>Post-Possession:<\/strong> 6. Opt for the Old Tax Regime when filing returns 7. Ensure both co-borrowers claim deductions separately if joint loan 8. Aggregate pre-construction interest for 5-year claim period<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Turn Your Home Loan Into a Tax-Saving Asset<\/strong><\/h3>\n\n<p data-aeo-direct=\"1\"><strong>Tax planning shouldn&#8217;t be an afterthought\u2014it&#8217;s integral to smart home buying.<\/strong> By choosing the Old Tax Regime, leveraging joint ownership, and understanding possession timelines, you transform your home loan from a liability into a wealth-building, tax-efficient asset. The difference between knowing these provisions and ignoring them can amount to \u20b910-15 lakhs over a typical 20-year loan tenure.<\/<p><p>Ready to explore tax-efficient luxury living? Discover <a href=\"https:\/\/aurorealty.com\/residential-projects\"><strong>residential projects in Hyderabad<\/strong><\/a><strong> offering premium <\/strong><a href=\"https:\/\/aurorealty.com\/residential-projects\/the-regent\"><strong>3 BHK flats in Kondapur<\/strong><\/a><strong>,<\/strong><a href=\"https:\/\/aurorealty.com\/residential-projects\/kohinoor\"><strong>luxury apartments in Hitec City<\/strong><\/a><strong>, and <\/strong><a href=\"https:\/\/aurorealty.com\/residential-projects\"><strong>spacious homes in Gachibowli<\/strong><\/a><strong> where your investment grows while your tax liability shrinks.<\/strong><\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-10674-0\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the maximum home loan interest deduction for FY 2025-26?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For a self-occupied property, the maximum deduction on home loan interest is Rs 2 lakh per year under Section 24(b). For a let-out property, there is no upper limit on interest deduction.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10674-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can both spouses claim home loan tax benefits separately?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, if both spouses are co-borrowers and co-owners of the property, each can independently claim deductions on their respective share of the loan interest and principal repayment in their individual tax returns.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10674-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are there special tax benefits for first-time homebuyers in India?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, first-time homebuyers can claim an additional deduction of Rs 50,000 under Section 80EEA on home loan interest, provided the property&#8217;s stamp duty value does not exceed Rs 45 lakh and the loan was sanctioned within the eligible period.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Indian homebuyers can save up to \u20b97 lakhs annually under the Old Tax Regime (FY 2025-26): Section 24(b) allows \u20b92 lakh deduction on home loan interest, Section 80C provides \u20b91.5 lakh deduction on principal repayment plus stamp duty\/registration. Joint loan co-borrowers can claim deductions separately, doubling household benefits. Note: Most housing tax benefits unavailable under [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10675,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[],"class_list":["post-10674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-guide"],"_links":{"self":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/10674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/comments?post=10674"}],"version-history":[{"count":19,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/10674\/revisions"}],"predecessor-version":[{"id":12893,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/10674\/revisions\/12893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media\/10675"}],"wp:attachment":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media?parent=10674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/categories?post=10674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/tags?post=10674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}