{"id":10700,"date":"2026-03-10T09:00:04","date_gmt":"2026-03-10T09:00:04","guid":{"rendered":"https:\/\/aurorealty.com\/blog\/?p=10700"},"modified":"2026-11-11T09:33:48","modified_gmt":"2026-11-11T09:33:48","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 in India: FY 2025-26 and 2026-27 Guide"},"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\/#The_%E2%80%9COld_vs_New%E2%80%9D_Regime_Dilemma_Where_Do_Homeowners_Stand\" >The \u201cOld vs. New\u201d Regime Dilemma: Where Do Homeowners Stand?<\/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_New_Tax_Regime_Default\" >The New Tax Regime (Default)<\/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\/#A_Interest_Payment_Deduction_Section_24b\" >A. Interest Payment Deduction: Section 24(b)<\/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\/#B_Principal_Repayment_Deduction_Section_80C\" >B. Principal Repayment Deduction: Section 80C<\/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\/#Under-Construction_Properties\" >Under-Construction Properties<\/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\/#Saving_Taxes_via_Reinvestment_Section_54\" >Saving Taxes via Reinvestment (Section 54)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Smart_Planning_for_Your_Dream_Home\" >Smart Planning for Your Dream Home<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Action_Steps_Maximizing_Your_Tax_Benefits\" >Action Steps: Maximizing Your Tax Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" 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-10\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Turn_Your_Home_Loan_Into_a_Tax-Saving_Asset\" >Turn Your Home Loan Into a Tax-Saving Asset<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#Related_Reading\" >Related Reading<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/aurorealty.com\/blog\/home-loan-tax-benefits-fy-2025-26-complete-guide\/#What_Changed_From_1_April_2026_The_Income-tax_Act_2025\" >What Changed From 1 April 2026: The Income-tax Act, 2025<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p class=\"wp-block-paragraph\"><em>Last updated: 5 November 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick answer:<\/strong> For income from 1 April 2026 the Income-tax Act, 2025 applies. Most of the home loan deductions described below (interest on a self-occupied home and principal repayment) are old-regime benefits and are generally not available under the new default regime. Compare both regimes for your own income and loan, and confirm with a chartered accountant. This is general information, not tax advice.<\/p>\n\n\n<div style=\"background: linear-gradient(135deg, #f0f7ff 0%, #e8f4fd 100%); border: 1px solid #d0e3f0; border-radius: 10px; padding: 20px 24px; margin: 0 0 28px 0;\">\n<p style=\"margin: 0 0 12px 0; font-weight: 700; font-size: 17px; color: #0f3460;\">At a Glance: What This Guide Covers<\/p>\n<ul style=\"margin: 0; padding-left: 20px; color: #333; font-size: 15px;\">\n<li style=\"margin-bottom: 6px; line-height: 1.5;\">The \u201cOld vs. New\u201d Regime Dilemma: Where Do Homeowners Stand?<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">Latest Income Tax Deductions on Home Loans (FY 2025-26)<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">Tax Benefits: First-Time Homebuyers vs. Repeat Buyers<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">Tax Treatment: Under-Construction vs. Ready-to-Move Properties<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">The \u201cDouble Dip\u201d: How Joint Home Loans Impact Tax Savings<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">Capital Gains Tax Rules on Property Sale &amp; Reinvestment<\/li><li style=\"margin-bottom: 6px; line-height: 1.5;\">Smart Planning for Your Dream Home<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Buying a home is more than just an emotional milestone; it is one of the smartest financial moves you can make. The <strong>home loan tax benefits<\/strong> available under India&#8217;s Income Tax Act can significantly reduce your financial burden, turning your EMI commitments into substantial annual tax savings.<\/p>\n\n<p>As we navigate Financial Year 2025-26, the real estate landscape is booming, especially in high-growth corridors like Hyderabad. Whether you are eyeing premium <strong>residential projects<\/strong> in Hitec City or spacious <strong>3 BHK flats for sale in Hyderabad<\/strong>, understanding the tax implications of your purchase is as important as checking the Vastu.<\/p>\n\n<p>However, tax laws are not static. With the government pushing the New Tax Regime as the default option, many homebuyers are left asking: <em>\u201cDo I still get tax breaks on my home loan?\u201d<\/em><\/p>\n\n<p>This comprehensive guide decodes the complex jargon of Sections 80C, 24(b), and 54, helping you navigate the \u201cOld vs. New\u201d regime dilemma and ensuring you don\u2019t leave any money on the table this assessment year.<\/p>\n\n<p>For the Financial Year 2025-26, Indian homebuyers can save tax under the <strong>Old Tax Regime<\/strong> through the following sections:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Section 24(b):<\/strong> Deduction of up to <strong>\u20b92 Lakhs<\/strong> on home loan <em>interest<\/em> for self-occupied properties. (Unlimited for let-out properties).<\/li>\n\n<li><strong>Section 80C:<\/strong> Deduction of up to <strong>\u20b91.5 Lakhs<\/strong> on <em>principal<\/em> repayment (inclusive of stamp duty and registration charges).<\/li>\n\n<li><strong>Joint Home Loan:<\/strong> Co-borrowers can claim these deductions separately, potentially doubling the total tax benefit to <strong>\u20b97 Lakhs<\/strong> per household (\u20b93.5L x 2).<\/li>\n\n<li><strong>Section 54:<\/strong> Exemption on Long-Term Capital Gains (LTCG) if reinvested in a new residential property (capped at \u20b910 Crores).<\/li>\n\n<li><em>Note: Home loan tax benefits for self-occupied properties are generally <\/em><strong><em>not available<\/em><\/strong><em> under the default New Tax Regime.<\/em><\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"background: linear-gradient(135deg, #f0f7ff 0%, #e8f4f8 100%); border-left: 4px solid #0f3460; padding: 20px 24px; margin: 24px 0; border-radius: 0 8px 8px 0; font-size: 15px;\">\n<p style=\"margin: 0 0 10px; font-weight: 700; color: #0f3460; font-size: 16px;\">Our Take: What Hyderabad Buyers Often Miss About Tax Benefits<\/p>\n<p style=\"margin: 0 0 8px; color: #333;\">A common oversight is missing the joint ownership strategy, which can double the deduction limits for working couples.<\/p>\n<p style=\"margin: 0 0 8px; color: #333;\">We\u2019ve also seen confusion around the pre-construction interest deduction (Section 24b), many buyers purchasing under-construction apartments in areas like Gachibowli and Narsingi don\u2019t realize they can claim up to 5 years of pre-EMI interest in equal installments after possession.<\/p>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_%E2%80%9COld_vs_New%E2%80%9D_Regime_Dilemma_Where_Do_Homeowners_Stand\"><\/span><strong>The \u201cOld vs. New\u201d Regime Dilemma: Where Do Homeowners Stand?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1600\" height=\"878\" src=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2.jpg\" alt=\"Infographic comparing home loan tax benefits under Old vs New Tax Regime FY 2025-26 for self-occupied properties.\" class=\"wp-image-10702\" style=\"width:1024px\" srcset=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2.jpg 1600w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2-300x165.jpg 300w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2-1024x562.jpg 1024w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2-768x421.jpg 768w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide2-1536x843.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\"><\/figure>\n\n<p>Before we list the deductions, we must address the most critical decision for FY 2025-26: <strong>Choosing your tax regime.<\/strong><\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"The_New_Tax_Regime_Default\"><\/span>The New Tax Regime (Default)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The New Tax Regime offers lower tax slab rates but strips away most exemptions and deductions.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>The Bad News:<\/strong> You <strong>cannot<\/strong> claim deductions for home loan interest (Section 24b) or principal repayment (Section 80C) for a <strong>self-occupied property<\/strong> under this regime.<\/li>\n\n<li><strong>The Exception:<\/strong> If you have let out (rented) the property, you can still deduct the interest from the rental income, but a resulting house property loss cannot be set off against other income such as salary. Commentary differs on whether an unabsorbed loss can be carried forward under the new regime, so check the Act or ask a chartered accountant.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"background: #fffbea; border-left: 4px solid #e6a817; padding: 14px 18px; margin: 0 0 18px; border-radius: 0 6px 6px 0; font-size: 14px; color: #555;\">\n<strong style=\"color: #b07d0e;\">FY 2025-26 Update: New Regime Slab Benefit:<\/strong> The New Tax Regime now offers a higher basic exemption, salaried individuals with income up to <strong>\u20b912 Lakhs<\/strong> (\u20b912.75L with standard deduction) pay zero tax. For buyers in this bracket, the New Regime may still be favourable even without home loan deductions. For those with income above \u20b912.75L and a large home loan, the Old Regime comparison becomes critical.\n<\/div>\n\n<h3>The Old Tax Regime<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>The Good News:<\/strong> This regime retains all the classic deductions. If you have a home loan, HRA, and insurance policies, the Old Regime usually results in lower tax liability.<\/li>\n\n<li><strong>Strategy:<\/strong> Most homebuyers with a significant loan amount (e.g., those buying <strong>luxury apartments<\/strong> where interest exceeds \u20b92 Lakhs) find the <strong>Old Tax Regime<\/strong> far more beneficial.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Latest Income Tax Deductions on Home Loans (FY 2025-26)<\/strong><\/h3>\n\n<p data-aeo-direct=\"1\"><strong>If you opt for the Old Tax Regime, your home loan acts as a powerful tax shield.<\/strong> Here is the breakdown of the sections you need to know.<\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"A_Interest_Payment_Deduction_Section_24b\"><\/span>A. Interest Payment Deduction: Section 24(b)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The interest component of your EMI is often the largest part of your repayment in the early years.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Self-Occupied Property:<\/strong> You can claim a deduction of up to <strong>\u20b92 Lakhs<\/strong> per financial year.<\/li>\n\n<li><strong>Let-Out (Rented) Property:<\/strong> There is <strong>no upper limit<\/strong> on the interest you can deduct. However, if the loss from house property (Interest &gt; Rent) exceeds \u20b92 Lakhs, the remaining loss can be carried forward for 8 assessment years.<\/li>\n\n<li><strong>Conditions:<\/strong>\n<ul class=\"wp-block-list\">\n<li>The loan must be for purchase or construction.<\/li>\n\n<li>The acquisition\/construction must be completed within <strong>5 years<\/strong> from the end of the financial year in which the loan was taken.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"B_Principal_Repayment_Deduction_Section_80C\"><\/span>B. Principal Repayment Deduction: Section 80C<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The principal component of your EMI falls under the crowded umbrella of Section 80C.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Limit:<\/strong> <strong>\u20b91.5 Lakhs<\/strong> per financial year.<\/li>\n\n<li><strong>The Catch:<\/strong> This limit is shared with other investments like PPF, EPF, LIC premiums, and ELSS. If you are a salaried employee with a high PF contribution, this bucket might already be full.<\/li>\n\n<li><strong>Lock-in Period:<\/strong> You must not sell the house within <strong>5 years<\/strong> of possession. If you do, the deductions claimed in previous years will be added back to your income and taxed in the year of sale.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3>C. Stamp Duty and Registration Charges (Section 80C)<\/h3>\n\n<p>Did you know the hefty stamp duty fee is also deductible?<\/p>\n\n<ul class=\"wp-block-list\">\n<li>These charges can be claimed under <strong>Section 80C<\/strong> (within the \u20b91.5 Lakh limit).<\/li>\n\n<li><strong>Crucial Rule:<\/strong> You can only claim this in the specific year the expenses were incurred. You cannot carry it forward to subsequent years.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3>D. Additional Interest Deduction: Section 80EEA (Status Check)<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><em>Note for FY 2025-26:<\/em> Section 80EEA, which offered an <em>additional<\/em> \u20b91.5 Lakh deduction for affordable housing, had a sunset clause for loans sanctioned up to <strong>March 31, 2022<\/strong>. Unless re-introduced in a new budget, new borrowers in 2025 cannot claim this. However, existing borrowers who meet the criteria can continue to claim it until the loan is repaid.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Tax Benefits: First-Time Homebuyers vs. Repeat Buyers<\/strong><\/h3>\n\n<p>The tax code treats you slightly differently depending on whether you are buying your first nest or building a portfolio of <strong>residential projects<\/strong>.<\/p>\n\n<h3>First-Time Homebuyers<\/h3>\n\n<p>First-time buyers traditionally enjoy more perks to encourage homeownership.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>80EEA Legacy:<\/strong> If you sanctioned your loan before March 2022, you enjoy a total interest deduction of \u20b93.5 Lakhs (\u20b92L under 24b + \u20b91.5L under 80EEA).<\/li>\n\n<li><strong>Current Scenario:<\/strong> Without 80EEA for new loans, first-time buyers are on par with repeat buyers regarding deduction limits (\u20b92L Interest + \u20b91.5L Principal).<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3>Repeat Buyers (Second Home)<\/h3>\n\n<p>Investing in a second property (e.g., a vacation home or an investment unit in <strong>luxury apartments<\/strong>)?<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Self-Occupied Second Home:<\/strong> As per recent amendments, you can declare two houses as \u201cSelf-Occupied.\u201d However, the <strong>aggregate<\/strong> interest deduction for <em>both<\/em> houses combined is capped at <strong>\u20b92 Lakhs<\/strong>.<\/li>\n\n<li><strong>Deemed Let-Out:<\/strong> If you own more than two houses, the others are deemed to be let out, and you must pay tax on \u201cnotional rent\u201d (the rent it <em>could<\/em> fetch), even if it\u2019s vacant. This makes it crucial to actually rent out investment properties to offset the tax with actual income.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Tax Treatment: Under-Construction vs. Ready-to-Move Properties<\/strong><\/h3>\n\n<figure class=\"wp-block-image blog-right-img\"><img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/03\/Complete-Tax-Benefits-Guide3.jpg\" alt=\"Comparison of tax benefits for under-construction vs ready-to-move luxury apartments.\"><\/figure>\n\n<p>This is a critical decision point for buyers of <strong>3 BHK flats for sale in Hyderabad<\/strong>. Should you buy a ready home or invest in an upcoming project?<\/p>\n\n<h3>Ready-to-Move Properties<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Immediate Benefit:<\/strong> You can start claiming Section 24(b) and Section 80C deductions from the very financial year you take possession.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Under-Construction_Properties\"><\/span>Under-Construction Properties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>The Restriction:<\/strong> You <strong>cannot<\/strong> claim tax deductions on EMIs paid while the property is under construction.<\/li>\n\n<li><strong>Pre-Construction Interest (PCI):<\/strong> The interest paid during the construction phase is not lost. It accumulates and can be claimed in <strong>5 equal annual installments<\/strong> starting from the year you receive possession.<\/li>\n\n<li><strong>Limit:<\/strong> The total deduction (Current Year Interest + 1\/5th of Pre-Construction Interest) is still subject to the overall cap of <strong>\u20b92 Lakhs<\/strong>.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Pro Tip:<\/strong> If you buy a property with a long construction window, you lose out on the Section 80C principal deduction for those years entirely. This is why many tax-conscious buyers prefer <strong>residential projects<\/strong> nearing completion.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>The \u201cDouble Dip\u201d: How Joint Home Loans Impact Tax Savings<\/strong><\/h3>\n\n<p data-aeo-direct=\"1\"><strong>With property prices in premium locations rising, a single borrower\u2019s tax limit often falls short.<\/strong> For example, a \u20b91 Crore loan at 8.5% interest incurs about \u20b98.4 Lakhs interest in the first year. A single applicant can only claim \u20b92 Lakhs, leaving about \u20b96.4 Lakhs of interest unclaimed.<\/p>\n\n<h3>The Solution: Joint Ownership + Joint Borrowing<\/h3>\n\n<p>If you buy the property jointly (e.g., with a spouse) and both serve the loan:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Double Interest Benefit:<\/strong> Both can claim \u20b92 Lakhs each u\/s 24(b). <strong>Total = \u20b94 Lakhs.<\/strong><\/li>\n\n<li><strong>Double Principal Benefit:<\/strong> Both can claim \u20b91.5 Lakhs each u\/s 80C. <strong>Total = \u20b93 Lakhs.<\/strong><\/li>\n\n<li><strong>Total Tax Shield:<\/strong> A family can save tax on <strong>\u20b97 Lakhs<\/strong> of income annually.<\/li>\n<\/ol>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3>Requirements:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Both must be co-owners of the property.<\/li>\n\n<li>Both must be co-borrowers in the loan.<\/li>\n\n<li>Both must contribute to the EMI payments.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Capital Gains Tax Rules on Property Sale &amp; Reinvestment<\/strong><\/h3>\n\n<p>If you are selling an old asset to upgrade to <strong>luxury apartments<\/strong>, you need to manage your Capital Gains Tax (CGT).<\/p>\n\n<h3>Long-Term Capital Gains (LTCG)<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Definition:<\/strong> Property held for more than <strong>24 months<\/strong> (reduced from 36 months).<\/li>\n\n<li><strong>Tax Rate:<\/strong> <strong>12.5% without indexation<\/strong> (Union Budget 2024, effective July 23, 2024). For land or buildings acquired before 23 July 2024, resident individuals and HUFs can choose the lower of 12.5% without indexation or 20% with indexation. Always confirm with a CA for your specific situation.<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Saving_Taxes_via_Reinvestment_Section_54\"><\/span>Saving Taxes via Reinvestment (Section 54)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>You can claim a <strong>100% exemption<\/strong> on LTCG if:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Reinvestment:<\/strong> You use the <em>capital gains<\/em> amount to buy\/construct a new residential house in India.<\/li>\n\n<li><strong>Timeline:<\/strong> Purchase within 1 year before or 2 years after the sale (or construct within 3 years).<\/li>\n\n<li><strong>Cap:<\/strong> The maximum deduction under Section 54 is capped at <strong>\u20b910 Crores<\/strong>. This specifically impacts Ultra High Net Worth Individuals (UHNIs) buying super-luxury homes.<\/li>\n<\/ol>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Smart_Planning_for_Your_Dream_Home\"><\/span><strong>Smart Planning for Your Dream Home<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p data-aeo-direct=\"1\"><strong>While the primary motive for buying a home should always be lifestyle and security, the tax benefits act as a significant subsidy on your purchase cost.<\/strong> By strategically choosing the Old Tax Regime, opting for a joint loan, and timing your possession, you can save substantial amounts, money that can be reinvested into furnishing your new home.<\/p>\n\n<p>Whether you are looking for investment-grade <strong>residential projects<\/strong> or a family home, Hyderabad offers some of the best inventory in the country.<\/p>\n\n<p><strong>Ready to make a tax-efficient investment?<\/strong> Explore our collection of premium <strong>3 BHK flats for sale in Hyderabad<\/strong>. From tax-friendly payment plans to properties nearing possession, <strong>Auro Realty<\/strong> helps you maximize value at every step.<\/p>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I claim home loan interest deduction under the New Tax Regime in 2025?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Generally, no. Under the New Tax Regime, you cannot claim the Section 24(b) deduction for interest on a home loan for a self-occupied property. However, if you have let out (rented) the property, you can claim the interest deduction, but it is restricted to the extent of the rental income earned. You cannot set off a loss from house property against your salary income under the New Regime.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the pre-construction interest deduction limit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The interest paid during the construction phase (Pre-Construction Interest) can be claimed in 5 equal annual installments starting from the financial year in which you take possession. However, this installment amount, when added to your current year's interest, is still subject to the overall deduction limit of \u20b92 Lakhs under Section 24(b) for self-occupied properties.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much tax can a couple save on a joint home loan?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A couple can significantly maximize savings by taking a joint home loan. If both are co-owners and co-borrowers, each can claim separate deductions. They can claim up to \u20b92 Lakhs each for interest (Section 24b) and \u20b91.5 Lakhs each for principal (Section 80C). This totals a maximum deduction of \u20b97 Lakhs per year for the household under the Old Tax Regime.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I claim tax benefits for two home loans?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, you can claim tax benefits on multiple home loans. For interest deduction (Section 24b), the aggregate limit for all self-occupied properties is capped at \u20b92 Lakhs. However, if one or both properties are let out, you can claim the full interest paid against the rental income (subject to loss set-off caps). The principal repayment (Section 80C) limit of \u20b91.5 Lakhs applies to the total of all loans combined.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does purchasing luxury apartments affect capital gains tax exemptions?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, as per the Union Budget 2023 amendment, the deduction under Section 54 (capital gains exemption by reinvesting in residential property) is capped at \u20b910 Crores. This means if you sell an asset and earn capital gains exceeding \u20b910 Crores, any amount reinvested into luxury apartments above this cap will not be tax-exempt.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I claim HRA and home loan deduction together?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, you can claim both HRA (House Rent Allowance) and home loan tax deductions simultaneously if you live in a rented house while owning a property in a different city (or even the same city, provided you have a genuine reason like proximity to workplace). However, you cannot claim HRA if you are living in the same house for which you are claiming the home loan deduction.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What documents are required to claim home loan tax benefits?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To claim deductions, you must submit the Home Loan Interest Certificate (provided by your bank\/lender) to your employer or attach it to your ITR. This certificate breaks down the EMI into principal and interest components. For the first year, you also need the Completion Certificate or Possession Letter to prove the construction is complete.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What should first-time home buyers check before purchasing property in Hyderabad?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Key checks include: RERA registration verification, HMDA\/DTCP approval status, clear title deed, encumbrance certificate (EC) for 30 years, builder track record, construction quality, water and electricity provisions, and bank loan eligibility. Visit the property site and neighboring areas before making a decision.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are common mistakes to avoid when buying property in Hyderabad?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Avoid buying unapproved layouts, skipping RERA verification, ignoring encumbrance certificates, not checking builder reputation, overlooking hidden charges like maintenance deposits and GST, and rushing into bookings without proper legal due diligence. Always engage an independent property lawyer.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What makes Hyderabad one of the best cities for real estate investment in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Hyderabad has a large IT and services employment base, established infrastructure and several well-connected corridors. Compare current prices, approvals and the builder record for any project before deciding.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do I check the credibility of a real estate builder in Hyderabad?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Verify the builder on the RERA Telangana portal, check their project delivery track record, visit completed projects, read customer reviews, verify HMDA approvals, and check for any legal disputes. Reputed builders will have transparent documentation, on-time delivery history, and clear title deeds for their projects.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the tax benefits of buying property in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Home buyers can claim tax deductions under Section 80C (up to Rs 1.5 lakh on principal repayment), Section 24(b) (up to Rs 2 lakh on interest for self-occupied property). Section 80EEA closed to loans sanctioned after 31 March 2022. Joint home loans allow both co-borrowers to claim deductions separately. Consult a CA for your specific situation.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Action_Steps_Maximizing_Your_Tax_Benefits\"><\/span>Action Steps: Maximizing Your Tax Benefits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Before Buying:<\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li>Calculate tax savings under both regimes using your actual salary and deductions.<\/li><li>For loans above \u20b950 lakhs, consider joint ownership to double benefits.<\/li><li>Factor tax savings into affordability calculations, they effectively reduce borrowing costs.<\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">During Purchase:<\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\"><li>Claim stamp duty\/registration under Section 80C in the payment year.<\/li><li>Maintain all loan-related documents (sanction letter, interest certificates, possession certificate).<\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Post-Possession:<\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"6\"><li>Opt for the Old Tax Regime when filing returns.<\/li><li>Ensure both co-borrowers claim deductions separately if joint loan.<\/li><li>Aggregate pre-construction interest for 5-year claim period.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Hyderabad_Properties_Offer_Tax-Efficient_Investment_Opportunities\"><\/span>Why Hyderabad Properties Offer Tax-Efficient Investment Opportunities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hyderabad has several well-connected corridors, including Kondapur, Gachibowli and HITEC City. Compare current prices, approvals and the builder\u2019s record for any home you are considering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><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\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Turn_Your_Home_Loan_Into_a_Tax-Saving_Asset\"><\/span>Turn Your Home Loan Into a Tax-Saving Asset<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tax planning shouldn\u2019t be an afterthought, it is integral to smart home buying. 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tax note: from 1 April 2026 the Income Tax Act, 2025 replaces the 1961 Act, and section numbers and details may differ. Check the current provisions or ask a chartered accountant. This guide is general information, not tax advice.<\/em><\/p>\n\n\n<p>For a project example in HITEC City, see <a href=\"https:\/\/aurorealty.com\/residential-projects\/kohinoor\">Kohinoor<\/a> for current details.<\/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-10700-0\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What tax deductions can homebuyers claim in India for FY 2025-26?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Homebuyers can claim deductions on home loan interest up to Rs 2 lakh under Section 24(b), principal repayment up to Rs 1.5 lakh under Section 80C. Section 80EEA closed to loans sanctioned after 31 March 2022.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10700-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I claim tax benefits on both home loan principal and interest?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, principal repayment qualifies under Section 80C (up to Rs 1.5 lakh) and interest payment qualifies under Section 24(b) (up to Rs 2 lakh for self-occupied property). Both deductions can be claimed simultaneously.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10700-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are stamp duty and registration charges tax deductible for homebuyers?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, stamp duty and registration charges paid during property purchase are deductible under Section 80C, subject to the overall limit of Rs 1.5 lakh. This deduction can be claimed in the year these expenses are paid.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10700-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I claim home loan interest under the new tax regime?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For a self-occupied house, no. Section 202 of the Income-tax Act, 2025 excludes the interest deduction for a self-occupied house under the new regime. Interest on a let-out house is not excluded, but a house property loss cannot be set off against other income.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10700-4\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the home loan interest limit for a self-occupied house?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Under the old regime, up to \u20b92,00,000 if the loan was taken to acquire or construct the house, construction is completed within five years from the end of the tax year of borrowing, and you hold the lender\u2019s interest certificate. In any other case the limit is \u20b930,000. The limit applies to all self-occupied houses together.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-10700-5\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a separate tax benefit for first-time home buyers?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The additional first-time buyer deduction under section 80EEA applied only to loans sanctioned between 1 April 2019 and 31 March 2022, so it is not available for new loans. See the section on 80EEA in this guide.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related_Reading\"><\/span>Related Reading<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"https:\/\/aurorealty.com\/blog\/how-to-buy-first-apartment-hyderabad-step-by-step-guide-2026\/\">How to Buy Your First Apartment in Hyderabad<\/a><\/li>\n\n\n<li><a href=\"https:\/\/aurorealty.com\/blog\/home-loan-for-apartment-in-hyderabad-eligibility-interest-rates-and-smart-tips\/\">Home Loan for Apartment in Hyderabad<\/a><\/li>\n\n\n<li><a href=\"https:\/\/aurorealty.com\/blog\/joint-home-ownership-guide-hyderabad-legal-tax-benefits\/\">Joint Home Ownership in Hyderabad<\/a><\/li>\n\n<\/ul>\n<!-- \/wp:list --<h2><span class=\"ez-toc-section\" id=\"What_Changed_From_1_April_2026_The_Income-tax_Act_2025\"><\/span>What Changed From 1 April 2026: The Income-tax Act, 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Income-tax Act, 2025 came into force on 1 April 2026 and replaces the Income-tax Act, 1961. Income earned in FY 2025-26 is still taxed under the 1961 Act, which is what most of this guide describes. Income from 1 April 2026 (tax year 2026-27) is taxed under the 2025 Act, where interest on a house property is covered by section 22 and the new tax regime by section 202.<\/p>\n<table class=\"has-fixed-layout\"><tbody><tr><td>Point<\/td><td>Old regime<\/td><td>New regime (section 202, the default)<\/td><\/tr><tr><td>Interest on a self-occupied home<\/td><td>Deduction up to \u20b92,00,000 under section 22(2) if the home is acquired or constructed with a loan, completed within five years from the end of the tax year in which the loan was taken, and you hold the lender\u2019s interest certificate. \u20b930,000 in any other case.<\/td><td>Not allowed. Section 202(2) excludes the interest deduction for a self-occupied house.<\/td><\/tr><tr><td>Interest on a let-out home<\/td><td>Deductible under section 22(1)(b)<\/td><td>The self-occupied exclusion does not apply, but a loss under house property cannot be set off against other heads of income.<\/td><\/tr><tr><td>Limit across several houses<\/td><td>The \u20b92,00,000 limit applies to all self-occupied houses together (section 22(5)), and the nil annual value relief covers up to two self-occupied houses (section 21(7)).<\/td><td>Not applicable to interest on self-occupied houses.<\/td><\/tr><tr><td>Other deductions, such as principal repayment<\/td><td>Available under the deductions chapter<\/td><td>Most deductions in that chapter are not available, apart from a few specified sections.<\/td><\/tr><\/tbody><\/table>\n<p>The Finance Act 2026 amended section 22(2) so that the cap also applies to the pre-construction interest instalments under section 22(1)(c). The new regime is the default, and you can opt out of it under section 202(4) in the prescribed manner. Limits can change with each Finance Act, so check the current text or a tax professional before you decide. This is general information, not tax advice. Source: Income-tax Act, 2025 (Act 30 of 2025), sections 21, 22 and 202, and the Finance Act 2026.<\/p>\n>","protected":false},"excerpt":{"rendered":"<p>Last updated: 5 November 2026 Quick answer: For income from 1 April 2026 the Income-tax Act, 2025 applies. Most of the home loan deductions described below (interest on a self-occupied home and principal repayment) are old-regime benefits and are generally not available under the new default regime. Compare both regimes for your own income and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10701,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[],"class_list":["post-10700","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\/10700","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=10700"}],"version-history":[{"count":36,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/10700\/revisions"}],"predecessor-version":[{"id":16423,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/10700\/revisions\/16423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media\/10701"}],"wp:attachment":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media?parent=10700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/categories?post=10700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/tags?post=10700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}