{"id":2631,"date":"2021-09-21T11:44:06","date_gmt":"2021-09-21T11:44:06","guid":{"rendered":"https:\/\/wspl.support\/avinsindustries\/?page_id=2631"},"modified":"2021-10-01T10:25:04","modified_gmt":"2021-10-01T10:25:04","slug":"buyers-guide","status":"publish","type":"page","link":"https:\/\/wspl.support\/avinsindustries\/buyers-guide\/","title":{"rendered":"Buyer\u2019s Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2631\" class=\"elementor elementor-2631\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47f9297 elementor-section-stretched elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47f9297\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e34724\" data-id=\"6e34724\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c77eb3d animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c77eb3d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><div class=\"elementor-heading-wrapper\" ><div class=\"elementor-heading-wrapper-inner\"><h2 class=\"elementor-heading-title elementor-size-default\">NRI Guide<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d999fd1 elementor-widget elementor-widget-text-editor\" data-id=\"d999fd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>        <div class=\"elementor-text-editor elementor-clearfix\"><\/div>\n        \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5448c7f animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"5448c7f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-accordion{text-align:left}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8831\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8831\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can an NRI buy property in India?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8831\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8831\"><p>Yes,<\/p><ul><li>A non-resident Indian can buy either a residential property or a commercial property in India. Further, there is no limit on the number of residential or commercial properties that an NRI can purchase in India.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8832\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8832\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is the eligibility for Indian Citizens, Foreign Passport Holder or PIO Card Holders for buying property in India?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8832\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8832\"><ul><li>Persons of Indian Origin and holding an Indian Passport are entitled to buy any property in India.<\/li><li>People holding overseas passports, such as British or American, need to apply for a PIO Card (Person of Indian Origin) at the Indian Embassy or consulate in their country of residence, before purchasing property in India.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8833\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8833\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do NRI need RBI permission?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8833\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8833\"><p>No. RBI permission is not required to buy residential or commercial property.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8834\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8834\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">About What an NRI should be aware when purchasing the property in India?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8834\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8834\"><ul><li>It will be wise to get verified the legal papers of a seller by a lawyer before going ahead.<strong style=\"font-size: 1rem;\">\u00a0<\/strong><\/li><\/ul><ul><li>Make sure to check the title papers of the property, especially if it is inherited or jointly held, and take a bank release in case it was at any point of time under mortgage.<\/li><li>Also take a no dues certificate from the seller at the time of purchase to ensure.<\/li><\/ul><ul><li>For new constructions, land title should be clear and the builder should have taken all approvals and permits from the civic authorities in terms of construction.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8835\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8835\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can any NRI avail the home loan benefit in India?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8835\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8835\"><ul><li>Education and profession play a role in deciding your loan eligibility. Like, only Graduate NRI can avail home loan benefit in India.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8836\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-8836\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What income taxes are applicable on house properties in India?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8836\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-8836\"><ul><li>According to the Indian Income Tax Act, if a person (resident or NRI) owns more than one house property, only one of them will be deemed as self-occupied. There will be no income tax on a self-occupied property.<\/li><\/ul><ul><li>The other one, whether you rent it out or not, will be deemed to be given on rent. If you have not given the second property on rent, you will have to calculate deemed rental income on the second property (based on certain valuations prescribed by the income tax rules) and pay the tax thereof.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8837\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-8837\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is the procedure of making payment to purchase the property in India for NRI?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8837\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-8837\"><ul><li>According to RBI norms, a maximum of 80% of the value of property can be funded by a financial institution. Rest has to come from the NRI&#8217;s personal resources. Indian financial institutions give rupee loans and so the same needs to be repaid in rupees only. &#8220;Another option NRIs can use is to get funding overseas where interest rates are lower.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8838\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-8838\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How an NRI can repay the finance given by the financial institutions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8838\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-8838\"><ul><li>NRI can pay the EMIs in any one of the following ways:<\/li><li>By remitting the money from your foreign bank account through regular banking channels<\/li><li>By issuing postdated cheques or Electronic Clearance Service (ECS) from your NRE, NRO or FCNRAccount<\/li><li>Out of the rental income that this property earns<\/li><li>Cheques issued from your local relative&#8217;s bank account<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8839\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-8839\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can an NRI give power of attorney for property purchase transactions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8839\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-8839\"><ul><li>Yes, in fact experts recommend that you give a POA to a person resident in India so that he or she may complete formalities such as registration, possession, execution of agreement of sale etc.<\/li><\/ul><ul><li>A POA can be given to execute all contracts, deeds, mortgages, lease, sell and all matters relating to managing the property. However, at any given time, it would be better to give a specific power of attorney to any person, restricted only to a single action such as only purchase or only for lease.<\/li><\/ul><ul><li>The power of attorney should be executed on a stamp paper or as per the requirement of the country where the POA is executed. You must then get the POA attested by any authorized official of the Indian Embassy\/Consulate\/Trade commissioner in that country.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-88310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-88310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Which Documents needed to be submitted by salaried Non Resident Indian for home loans?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-88310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-88310\"><ul><li>Loan application form duly filled and signed<\/li><\/ul><ul><li>Two photographs of both the applicant and the co-applicant with signature on front and back<\/li><\/ul><ul><li>Copy of passport &#8211; Along with latest visa stamp and date of entry stamp<\/li><\/ul><ul><li>Proof of residence in India &#8211; Electricity bill, Telephone bill, Ration card, Driving License etc<\/li><\/ul><ul><li>Copy of credit card &#8211; Last six months bank statements of all the NRE \/ NRO account in India<\/li><\/ul><ul><li>Last six months bank statements of bank account held abroad where salary is credited &#8211; Copy of Contract \/ Employment Certificate Copy of Annual Salary Certificate specifying the mode of payment (If payment is fully or partly received in cash) Salary Slips for the immediately past 6 months.<\/li><\/ul><ul><li>Documents relating to income\/ salary need to be attested as true by the employer<\/li><\/ul><ul><li>Copies of Sanction Letter of Loans availed in India and abroad<\/li><\/ul><ul><li>Self-Declaration of Residential Status<\/li><\/ul><ul><li>All documents in foreign language to be translated in English.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e6aaee elementor-section-stretched elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e6aaee\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b6fb722\" data-id=\"b6fb722\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf62862 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bf62862\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-wrapper\" ><span class=\"sub-title\">Home Loan Guide<\/span><div class=\"elementor-heading-wrapper-inner\"><h2 class=\"elementor-heading-title elementor-size-default\">It is common knowledge that taking a home loan is the only way a person in his 30\u2019s or early 40\u2019s can afford his family a home.<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd40dc elementor-widget elementor-widget-text-editor\" data-id=\"8fd40dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"elementor-text-editor elementor-clearfix\">When you take a home loan, you commit to paying almost EMI (Equated Monthly Installments) of as much as up to 60-65% of your monthly income for a period that can be as long as 30 years. So, you take a large and long term obligation. Hence, it is important that you make the right decision that doesn\u2019t hurt you in future. This guide is targeted at helping you understand home loans better in simple language and draws upon the long experience of the My Loan Care team in helping people with their loan requirements.<\/div>\n        \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dbd719 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"1dbd719\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3111\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Step-1: Strike the right balance between loan amount, loan tenure and EMI:<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3111\"><p>Common mistake most people make is to opt for the longest loan tenure in order to maximize loan amount eligibility and minimize EMI. Before you join the millions of bank loan customers in India in committing this mistake, just understand what it costs. On a\u00a0Rs. 40 lakhs\u00a0loan at\u00a09.50%for\u00a015 years, the EMI is\u00a0Rs. 41769\/-\u00a0and the total interest you pay to the bank over\u00a015 years\u00a0comes to\u00a0Rs. 3518418\/-. If you opt for 20 year loan tenure instead of 15, for the same loan amount and at same interest rate, the EMI is\u00a011%\u00a0lower at\u00a0Rs. 37285\/-\u00a0but over\u00a020 years, you pay\u00a0Rs. 4948460\/-\u00a0as interest, which is\u00a041%\u00a0higher than on a\u00a015 year\u00a0loan.<\/p><p>So, unless you really like banks to make lots of money from you, answer the following questions to strike the right balance:<\/p><p><strong>How much EMI you can comfortably pay every month \u2013 this should not exceed 60-65% of your net post tax pay.<\/strong><\/p><p>Calculate your\u00a0loan eligibility\u00a0for various loan tenures based on this EMI and your age. Opt for the shortest loan tenure that meets your loan requirement. In addition to your salary, also inform the bank about your other fixed income such as rent and interest to increase eligibility. In case the loan amount you need is more than the maximum loan eligibility, you may add upto 3 of your earning family member as co-applicants to increase the eligibility.<\/p><p>Note that the loan amount cannot exceed 75 \u2013 80% of the cost or market value of the home you are buying. So, make arrangement for the balance amount (also called margin money).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3112\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\t Step-2: Check approval status of your property with bank<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-3112\"><p>Note that banks may not always approve all towers, all blocks and all floors in a project at the same time. So, it\u2019s important that you check the approval status for the specific flat that you are buying.<\/p><p>The payment plan scheme under which the project has been approved \u2013 builders sell projects under time linked plans (TLP), construction linked plans (CLP), subvention schemes (80:20, 10:80:10, 10:10:80, 6:88:6 and others).<\/p><p>Most banks fund projects only under CLP. Some housing finance companies fund projects under TLP and subvention schemes. Typically a very large number or builder projects are approved under CLP but the approval list for TLP and subvention schemes is much shorter.<\/p><p>Total cost of the flat may include various heads like basis price, PLC, parking, EDC, IDC,\u00a0electrification charges, club membership fees, security deposit, maintenance charges, stamp duty, registration charges,\u00a0service tax and VAT.<\/p><p>Typically, banks will fund upto 75 to 80% of the eligible cost, which will not include the items mentioned in orange above. Some banks may fund service tax and VAT partially.<\/p><p>In case the builder is offering possession, will the conveyance deed be simultaneously registered or not? Sometimes, there may be a gap of 6 months to a year (or even longer) between possession and execution of conveyance deed. Some banks may not fund projects during this intervening period even if they are on approved projects list.<\/p><p>Ensure that all payments to the builder are made by cheque from your own account only.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3113\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-3113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Step-3: Choose between Fixed rate and Floating rate<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-3113\"><p>In the current market scenario, we recommend floating rate loans over fixed rate ones. This is mainly because we expect rates to trend down over coming months. Secondly, floating rate loans come with nil prepayment charges unlike fixed rate loans.<\/p><p>Fixed rate loans may be advisable in a situation where you feel that your monthly cash flows (after paying off EMIs and other expenses) cannot take any additional burden\/ unpredictable increases on account of interest rate rise.<\/p><p>Fixed Rate loans, however come with a higher rate of interest than floating rate loans and typically carry a pre-payment penalty charge.<\/p><p>Another catch with fixed rate loans is\u00a0\u201cHow fixed is the so-called fixed rate?\u201d\u00a0A fixed rate is seldom fully fixed. Most banks offer fixed rate for the initial period and convert this into floating rate thereafter. Fixed rate period may vary from 1 year to 10 years though the total loan tenure may be upto 30 years. Always check what will be the applicable rate after the fixed rate period ends. Many customers have often complained that they see a sharp increase in interest rate when the loan converts from fixed rate to floating rate. This is particularly true for fixed rate loans from LIC Housing Finance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3114\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-3114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Step-4: Loan structure, flexibility, liquidity options<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-3114\"><p>While home loans are sanctioned for tenure of upto 30 years, rarely do people actually run the loan for that long. Each one of us wants to pay off the loan at the earliest and own our home fully.<\/p><p>It is observed that the average period people take to pay off their home mortgage fully is around 8 years. This happens because most people make partial or even full prepayment of the loan when they have surplus money.<\/p><p>After all, it may not be a bad idea to use your annual incentive to pay off your home loan partially.<\/p><p>It is important to select a bank that allows you to prepay your loan without any charges or hassles. As per RBI circulars, banks are not allowed to charge prepayment penalty or charges on floating rate home loans. However, banks may charge penalty on prepayment of fixed rate loans.<\/p><p>Charges may vary from 1 % to upto 3% of the loan amount. So, check this aspect carefully before selecting a bank and home loan.<\/p><p>Another option is a smart loan or an interest saver loan. Do you normally keep a significant bank balance or do you run high bank balance at times? You may like to consider\u00a0Home Credit or Home Saver or Maxgain options which allow you to deposit your surplus savings in a bank account and pay interest on home loan only on the net difference between the two. So, for the period that your surplus cash stays in the bank, you pay less interest on your home loan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3115\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-3115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-closed opal-icon-plus\"><\/i>\n\t\t\t\t\t\t\t\t<i class=\"elementor-accordion-icon-opened opal-icon-minus\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Step-5: Choose a bank<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-3115\"><p>Your choice of banks should be based not only on the rate of interest but also some other very important factors, which we have described here:<\/p><p>Turnaround time and customer service levels:\u00a0Read the customer ratings and reviews of banks by customers like you who have availed loans in the recent past? Their experience may help you make a better choice and avoid common mistakes. Check which banks will offer you doorstep service and for which ones would you need to visit the bank branch.<\/p><p>Check the past base rate trend of the banks you are considering. This can tell you if the banks changes rates too often. Check if the bank passes on the benefit of lower policy rates to its old customers or not.\u00a0Click here for current base rates of banks in India.<\/p><p>Compare offers and choose the one that\u2019s best and not necessarily the cheapest \u2013 By now you have a good sense of your loan requirements and can\u00a0compare loan offers from multiple banks. Compare offers on interest rates, processing fees, customer ratings, servicing and all-in-cost.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35178cd elementor-section-stretched elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35178cd\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3292c03\" data-id=\"3292c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e630b3c animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e630b3c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-wrapper\" ><span class=\"sub-title\">Tax Benefit Information<\/span><div class=\"elementor-heading-wrapper-inner\"><h2 class=\"elementor-heading-title elementor-size-default\">Budget 2016 Update: Additional Deduction of Rs. 50,000 under Section 80EE has been allowed to first time home buyers.<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eea8836 elementor-widget elementor-widget-text-editor\" data-id=\"eea8836\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"elementor-text-editor elementor-clearfix\"><p>A very important criterion to be kept in mind while taking a Home Loan is the&nbsp;<strong>Tax Benefit on Home Loan<\/strong>. To explain the Tax Benefit on Home Loan, we would be dividing the Repayment of Home Loan into 2 components:-<\/p>\n<ol>\n<li>Repayment of the Principal Amount<\/li>\n<li>Repayment of the Interest on Home Loan<\/li>\n<\/ol>\n<p>As the repayment comprises of 2 different components, the tax benefit on home loan is governed by different sections of the Income Tax Act and these are claimed as&nbsp;<strong>tax deductions<\/strong>&nbsp;under different sections while filing the Income Tax Return.<\/p>\n<p>The Sections under which Tax Benefit on Home Loan can be claimed are explained below:-<\/p>\n<p><strong>Benefit on Home Loan (Principal Amount)<\/strong>: The amount paid as Repayment of Principal Amount of Home Loan by an Individual\/HUF&nbsp;is allowed as tax deduction under&nbsp;Section 80C of the Income Tax Act. The&nbsp;<strong>maximum tax deduction allowed under Section 80C is Rs. 1,50,000.<\/strong>&nbsp;(Increased from 1 Lakh to Rs. 1.5 Lakh in&nbsp;budget 2014).<\/p>\n<p>This tax deduction is the total of the deduction allowed under Section 80C and includes amount invested in&nbsp;<a href=\"http:\/\/www.charteredclub.com\/what-is-ppf-account-and-the-benefits-of-investing-in-ppf\/\">PPF Account<\/a>,&nbsp;<a href=\"http:\/\/www.charteredclub.com\/tax-saving-fixed-deposit\/\">Tax Saving Fixed Deposits<\/a>,&nbsp;<a href=\"http:\/\/economictimes.indiatimes.com\/slideshow\/18224192.cms\">Equity Oriented Mutual funds<\/a>,&nbsp;<a href=\"http:\/\/www.charteredclub.com\/national-savings-certificate\/\">National Savings Certificate<\/a>,&nbsp;Senior Citizens Saving Scheme&nbsp;etc.<\/p>\n<p>This tax deduction under Section 80C is available on payment basis irrespective of the year for which the payment has been made. The Amount paid as&nbsp;<a href=\"http:\/\/en.wikipedia.org\/wiki\/Stamp_duty\">Stamp Duty<\/a>&nbsp;&amp; Registration Fee is also allowed as tax deduction under Section 80C even if the Assesse has not taken Loan.<\/p>\n<p>However, tax benefit of home loan under this section for repayment of principal part of the home loan is&nbsp;<strong>allowed only after the construction is complete<\/strong>&nbsp;and the completion certificate has been awarded. No deduction would be allowed under this section for repayment of principal for those years during which the property was under construction.<\/p>\n<p>Moreover, in case you are planning to buy an under-construction property as it is priced at a lower price as compared to a fully completed property, you are here also requested to note that Service Tax is also levied on Under Construction Property &amp; the&nbsp;<a href=\"http:\/\/finmin.nic.in\/the_ministry\/finance_minister\/index.asp\">Finance Minister<\/a>&nbsp;while announcing the Budget 2013 also changed the rates of Service Tax on under Construction Property. However, no Service Tax is levied on properties on which construction has been fully completed.<\/p>\n<p>However,&nbsp;Section 80C(5)&nbsp;also states that in case the assesses transfers the house property on which he has claimed tax deduction under&nbsp;<em>Section 80C<\/em>&nbsp;before the expiry of 5 years&nbsp;from the end of the Financial Year in which the possession has been obtained by him, then no deduction and tax benefit on Home Loan shall be allowed under Section 80C. The aggregate amount of tax deduction already claimed in respect of previous years shall be deemed to be the Income of the Assesse of such year in which the property has been sold and the Assesse shall be liable to pay tax on such income.<\/p>\n<h3>Section 24: Income Tax Benefit on Interest on Home Loan<\/h3>\n<p>Tax Benefit on Home Loan for payment of Interest is allowed as a deduction under&nbsp;<a href=\"http:\/\/law.incometaxindia.gov.in\/dittaxmann\/incometaxacts\/2005itact\/section24.htm\">Section 24 of the Income Tax Act<\/a>. As per Section 24, the&nbsp;<a href=\"http:\/\/www.incometaxindiapr.gov.in\/incometaxindiacr\/contents\/tpi\/House_Property%5B1%5D.pdf\">Income from House Property<\/a>&nbsp;shall be reduced by the amount of&nbsp;<strong>Interest paid on Home Loan<\/strong>&nbsp;where the loan has been taken for the purpose of Purchase\/ Construction\/ Repair\/ Renewal\/ Reconstruction of a Residential House Property.<\/p>\n<p>The maximum tax deduction allowed under Section 24 of a&nbsp;self-occupied property is subject to a maximum limit of&nbsp;<strong>Rs. 2 Lakhs<\/strong>&nbsp;(increased in Budget 2014 from 1.5 Lakhs to Rs. 2 Lakhs).<\/p>\n<p>In case the property for which the Home Loan has been taken is&nbsp;not self-occupied, no maximum limit&nbsp;has been prescribed in this case and the taxpayer can take tax deduction of the whole interest amount under&nbsp;<em>Section 24<\/em>.<\/p>\n<p>Please Note:&nbsp;In case a property has not been self-occupied by the owner by reason of the fact owing to his employment, business or profession carried on at any other place, he has to reside at that other place not belonging to him, then the amount of tax deduction allowed under Section 24 shall be Rs. 2 Lakhs only.<\/p>\n<p>It is also important to note that this tax deduction of Interest on Home Loan under Section 24 is deductible on payable basis, i.e. on&nbsp;<a href=\"http:\/\/www.accountingcoach.com\/terms\/A\/accrual-basis-of-accounting.html\">accrual basis<\/a>. Hence, deduction under Section 24 should be claimed on yearly basis even if no payment has been made during the year as compared to Section 80C which allows for deduction only on payment basis.<\/p>\n<h3>Section 80EE: Income Tax Benefit on Interest on Home Loan (First Time Buyers)<\/h3>\n<p>Finance Minister while announcing the Budget 2016 re-introduced Section 80EE which provides for additional Deduction of Rs. 50,000 for Interest on Home Loan. This incentive would be over and above the tax deduction of Rs. 2,00,000 under Section 24 and Rs. 1,50,000 under Section 80C.<\/p>\n<p><b>This Deduction of Section 80EE would be applicable only in the following cases:-<br>\n<\/b>This deduction would be allowed only if the value of the property purchased is less than Rs. 50 Lakhs and the value of loan taken is less than Rs. 35 Lakhs.<\/p>\n<ol>\n<li><b>The loan should be sanctioned between 1st April 2016 and 31st March 2017.<\/b><\/li>\n<li><b>The benefit of this deduction would be available till the time the repayment of the loan continues.<\/b><\/li>\n<li><b>This Deduction would be available from Financial Year 2016-17 onwards.<\/b><\/li>\n<\/ol>\n<h2>The above 3 Sections relating to Tax Benefits on Home Loans have been summarized as under:-<\/h2>\n<table cellspacing=\"2\" bgcolor=\"#EEEEEE\" style=\"max-width: 800px;\">\n<tbody>\n<tr>\n<td rowspan=\"2\" bgcolor=\"#F3F3F3\">Particulars<\/td>\n<td colspan=\"2\" bgcolor=\"#F3F3F3\"><strong>Quantum of Deduction (Rs.)<\/strong><\/td>\n<\/tr>\n<tr>\n<td bgcolor=\"#F3F3F3\">Self Occupied Property<\/td>\n<td bgcolor=\"#F3F3F3\">Non-Self Occupied Property<\/td>\n<\/tr>\n<tr>\n<td bgcolor=\"#FFFFFF\">Section 24<\/td>\n<td bgcolor=\"#FFFFFF\">2,00,000<\/td>\n<td bgcolor=\"#FFFFFF\">No Limit<\/td>\n<\/tr>\n<tr>\n<td bgcolor=\"#FFFFFF\">Section 80C<\/td>\n<td bgcolor=\"#FFFFFF\">1,50,000<\/td>\n<td bgcolor=\"#FFFFFF\">1,50,000<\/td>\n<\/tr>\n<tr>\n<td bgcolor=\"#FFFFFF\">Section 80EE<\/td>\n<td bgcolor=\"#FFFFFF\">50,000<\/td>\n<td bgcolor=\"#FFFFFF\">50,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Please Note:-<\/b><\/p>\n<ol>\n<li><i>The above tax deductions are per person and not per Property. So in case you\u2019ve purchased a property jointly and have taken a joint home loan, each person repaying the amount would be eligible to claim whole deduction separately.<\/i><\/li>\n<li><i>If you are living in a rented premise and are taking&nbsp;<a href=\"http:\/\/www.charteredclub.com\/house-rent-allowance\/\">Tax Benefit of HRA Allowance<\/a>, even then you can claim&nbsp;Tax benefit on home loanunder Section 24, Section 80EE &amp; Section 80C.<\/i><\/li>\n<\/ol>\n<p>For claiming the above tax deductions, you would be required to furnish the statement provided by the lender clearly indicating the amount payable and paid towards Interest and Principal. After claiming the above deductions of Tax Benefit on Home Loan, the balance Income of an Individual would be taxed as per the Income Tax Slab Rates.<\/p><\/div>\n        \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f463105 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f463105\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b4d152d\" data-id=\"b4d152d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c94a8d1 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c94a8d1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-wrapper\" ><span class=\"sub-title\">Recognized as one of the top real estate company<\/span><div class=\"elementor-heading-wrapper-inner\"><h2 class=\"elementor-heading-title elementor-size-default\">Honoured and Acknowledged Excellence in India's Real Estate<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-974a8bd animated-fast elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"974a8bd\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;opal-move-up&quot;,&quot;animation_tablet&quot;:&quot;opal-move-up&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e052057\" data-id=\"e052057\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ad1b49 elementor-widget elementor-widget-opal-awards\" data-id=\"3ad1b49\" data-element_type=\"widget\" data-widget_type=\"opal-awards.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t            <div class=\"elementor-awards-wrapper awards-style-1\">\n                <div class=\"row owl-carousel owl-theme\" data-settings=\"{&quot;navigation&quot;:&quot;dots&quot;,&quot;autoplayHoverPause&quot;:&quot;true&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;autoplayTimeout&quot;:5000,&quot;items&quot;:&quot;4&quot;,&quot;items_tablet&quot;:&quot;2&quot;,&quot;items_mobile&quot;:1,&quot;loop&quot;:&quot;true&quot;,&quot;margin&quot;:30}\">\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">The Economic Times <br>Best Realty Brands<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Best Realty Brand<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">Realty Plus Excellence <br>Awards (East)<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Excellence in Delivery<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">The Economic Times <br>Best Realty Brands<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Best selling project of the year<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">Realty Plus Excellence <br>Awards (East)<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Excellence in customer service<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">Realty Plus Excellence <br>Awards (East)<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Iconic project of the year<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"elementor-content-item\">\n                            <div class=\"elementor-content-item-inner\">\n                                <div class=\"elementor_awards_image\">\n                                                                    <i aria-hidden=\"true\" class=\"opal-icon- opal-icon-award\"><\/i>                                <\/div>\n                                <div class=\"elementor-content-wrap\">\n                                    <span class=\"elementor-years\">2021<\/span>\n                                    <h5 class=\"elementor-awards-title\">Realty Plus Excellence <br>Awards (East)<\/h5>                                    <div class=\"elementor-content\">\n                                        <p>Most popular project of the year<\/p>                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n            \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6666423 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6666423\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2270640\" data-id=\"2270640\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20d53ac animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"20d53ac\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-wrapper\" ><div class=\"elementor-heading-wrapper-inner\"><h2 class=\"elementor-heading-title elementor-size-default\">News & Events<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f6078d elementor-widget elementor-widget-opal-post-grid\" data-id=\"6f6078d\" data-element_type=\"widget\" data-widget_type=\"opal-post-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"elementor-post-wrapper post-style-1\">\n            <div class=\"row\" data-elementor-columns=\"3\" data-elementor-columns-tablet=\"1\" data-elementor-columns-mobile=\"1\">\n\n                <div class=\"column-item post-style-1\">\n    <div class=\"post-inner\">\n\n                    <div class=\"post-thumbnail\">\n                <a href=\"https:\/\/wspl.support\/avinsindustries\/motivational-sayings-ten-great-ones\/\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"850\" height=\"480\" src=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-01.jpg\" class=\"attachment-rehomes-featured-image-large size-rehomes-featured-image-large wp-post-image\" alt=\"\" srcset=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-01.jpg 850w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-01-300x169.jpg 300w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-01-768x434.jpg 768w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-01-700x395.jpg 700w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/>                <\/a>\n            <\/div><!-- .post-thumbnail -->\n\n                <div class=\"post-content\">\n            <div class=\"entry-header\">\n                <div class=\"entry-categories\">\n                    <span class=\"cat-links\"><span class=\"screen-reader-text\">Categories<\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/category\/tips-tricks\/\" rel=\"category tag\">tips &amp; tricks<\/a> <a href=\"https:\/\/wspl.support\/avinsindustries\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a><\/span>                <\/div><!-- .entry-meta -->\n                <h3 class=\"entry-title\"><a href=\"https:\/\/wspl.support\/avinsindustries\/motivational-sayings-ten-great-ones\/\">Motivational Sayings Ten Great Ones<\/a><\/h3>\n                <div class=\"entry-meta\">\n                    <span class=\"posted-author\"><span>By <\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/author\/avinsindustries\/\">avinsindustries<\/a>,<\/span><span class=\"posted-on\"><a href=\"https:\/\/wspl.support\/avinsindustries\/motivational-sayings-ten-great-ones\/\" rel=\"bookmark\"><time class=\"entry-date published\" datetime=\"2021-09-18T23:46:42+00:00\">September 18, 2021<\/time><time class=\"updated\" datetime=\"2021-09-23T14:53:58+00:00\">September 23, 2021<\/time><\/a><\/span>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><div class=\"column-item post-style-1\">\n    <div class=\"post-inner\">\n\n                    <div class=\"post-thumbnail\">\n                <a href=\"https:\/\/wspl.support\/avinsindustries\/do-you-think-motivational-thoughts\/\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"850\" height=\"480\" src=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-02.jpg\" class=\"attachment-rehomes-featured-image-large size-rehomes-featured-image-large wp-post-image\" alt=\"\" srcset=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-02.jpg 850w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-02-300x169.jpg 300w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-02-768x434.jpg 768w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-02-700x395.jpg 700w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/>                <\/a>\n            <\/div><!-- .post-thumbnail -->\n\n                <div class=\"post-content\">\n            <div class=\"entry-header\">\n                <div class=\"entry-categories\">\n                    <span class=\"cat-links\"><span class=\"screen-reader-text\">Categories<\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a><\/span>                <\/div><!-- .entry-meta -->\n                <h3 class=\"entry-title\"><a href=\"https:\/\/wspl.support\/avinsindustries\/do-you-think-motivational-thoughts\/\">Do You Think Motivational Thoughts<\/a><\/h3>\n                <div class=\"entry-meta\">\n                    <span class=\"posted-author\"><span>By <\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/author\/avinsindustries\/\">avinsindustries<\/a>,<\/span><span class=\"posted-on\"><a href=\"https:\/\/wspl.support\/avinsindustries\/do-you-think-motivational-thoughts\/\" rel=\"bookmark\"><time class=\"entry-date published\" datetime=\"2021-09-02T22:46:42+00:00\">September 2, 2021<\/time><time class=\"updated\" datetime=\"2021-09-23T14:54:13+00:00\">September 23, 2021<\/time><\/a><\/span>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><div class=\"column-item post-style-1\">\n    <div class=\"post-inner\">\n\n                    <div class=\"post-thumbnail\">\n                <a href=\"https:\/\/wspl.support\/avinsindustries\/architecture-is-not-based-on-concrete-and-steel\/\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"850\" height=\"480\" src=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-03.jpg\" class=\"attachment-rehomes-featured-image-large size-rehomes-featured-image-large wp-post-image\" alt=\"\" srcset=\"https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-03.jpg 850w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-03-300x169.jpg 300w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-03-768x434.jpg 768w, https:\/\/wspl.support\/avinsindustries\/wp-content\/uploads\/2019\/10\/event-03-700x395.jpg 700w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/>                <\/a>\n            <\/div><!-- .post-thumbnail -->\n\n                <div class=\"post-content\">\n            <div class=\"entry-header\">\n                <div class=\"entry-categories\">\n                    <span class=\"cat-links\"><span class=\"screen-reader-text\">Categories<\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a><\/span>                <\/div><!-- .entry-meta -->\n                <h3 class=\"entry-title\"><a href=\"https:\/\/wspl.support\/avinsindustries\/architecture-is-not-based-on-concrete-and-steel\/\">Architecture is not based on concrete and steel<\/a><\/h3>\n                <div class=\"entry-meta\">\n                    <span class=\"posted-author\"><span>By <\/span><a href=\"https:\/\/wspl.support\/avinsindustries\/author\/avinsindustries\/\">avinsindustries<\/a>,<\/span><span class=\"posted-on\"><a href=\"https:\/\/wspl.support\/avinsindustries\/architecture-is-not-based-on-concrete-and-steel\/\" rel=\"bookmark\"><time class=\"entry-date published\" datetime=\"2021-08-12T21:46:42+00:00\">August 12, 2021<\/time><time class=\"updated\" datetime=\"2021-09-23T14:54:27+00:00\">September 23, 2021<\/time><\/a><\/span>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>            <\/div>\n\n                    <\/div>\n        \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce3c7a elementor-align-left elementor-mobile-align-left animated-fast elementor-button-primary elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9ce3c7a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;}\" 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class=\"elementor-heading-title elementor-size-default\">Want more <br> information?  <\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9860d9 elementor-absolute elementor-wpcf7-button-primary elementor-wpcf7-button-md elementor-widget elementor-widget-opal-contactform7\" data-id=\"c9860d9\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"opal-contactform7.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2186-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/avinsindustries\/wp-json\/wp\/v2\/pages\/2631#wpcf7-f2186-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input 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id=\"form-email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"email-104\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"col-xl-3 col-md-4\">\n\t\t<div class=\"mb-4\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"text-219\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text\" id=\"form-phone\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"text\" name=\"text-219\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"mb-4\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"projects\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"projects\"><option value=\"Project\">Project<\/option><option value=\"Digital Marketing Basics\">Digital Marketing Basics<\/option><option value=\"Dinky Marketing\">Dinky Marketing<\/option><option value=\"Arimo Marketing\">Arimo Marketing<\/option><option value=\"Adios Concept Design\">Adios Concept Design<\/option><option value=\"The Language of Designs\">The Language of Designs<\/option><option value=\"B-sharp High-end Audio\">B-sharp High-end Audio<\/option><option value=\"Smart Sound System\">Smart Sound System<\/option><option value=\"Awe-inspiring Projects\">Awe-inspiring Projects<\/option><option value=\"Gifts for Photography Lovers\">Gifts for Photography Lovers<\/option><option value=\"Dunked Photography\">Dunked Photography<\/option><\/select><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"col-xl-2 col-md-4 d-flex\">\n\t\t<p><button type=\"submit\" value=\"Submit\"><i class=\"opal-icon-phone1\"><\/i><span>get a<br \/>\ncall back<\/span><\/button>\n\t\t<\/p>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>NRI Guide Can an NRI buy property in India? Yes, A non-resident Indian can buy either a residential property or a commercial property in India. Further, there is no limit on the number of residential or commercial properties that an NRI can purchase in India. What is the eligibility for Indian Citizens, Foreign Passport Holder &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/wspl.support\/avinsindustries\/architecture-is-not-based-on-concrete-and-steel\/\" class=\"more-link\">Read More <span class=\"screen-reader-text\"> &#8220;Architecture is not based on concrete and steel&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-elementor.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-2631","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/pages\/2631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/comments?post=2631"}],"version-history":[{"count":129,"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/pages\/2631\/revisions"}],"predecessor-version":[{"id":4208,"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/pages\/2631\/revisions\/4208"}],"wp:attachment":[{"href":"https:\/\/wspl.support\/avinsindustries\/wp-json\/wp\/v2\/media?parent=2631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}