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A freshly surfaced road through a residential colony after rain, puddles reflecting the sky, with two-storey houses and gardens on both sides. Money8 min read घर की क़ीमत नहीं, घर दोबारा बनाने की लागत का बीमा।

Home insurance: what the standard policy covers

The cover sold with a home loan does not mend a wall. What the standard home policy pays for, how to set the sum insured, and what it leaves out.

3 Oct 2026 An empty stilt parking level under a mid-rise apartment block, painted bays between square concrete columns, a cream boundary wall and a large tree in afternoon light. Money8 min read रेट एक, क़ीमत कई। पूरी शीट पढ़िए।

The price sheet: reading a builder's cost sheet line by line

The rate you were quoted is one line of a builder's cost sheet. What the other lines are, which are already in the price, and what to ask before a token.

3 Oct 2026 A smiling couple sit at a marble dining table in a bright flat, the woman pointing at a printed sheet while the man holds a pen beside an open laptop. Money8 min read फ़्लैट पर GST — कब लगेगा, कब नहीं?

GST on a flat: under construction versus ready

Booked while being built, a flat carries 5% GST, or 1% if it is affordable. Paid for wholly after the completion certificate, none. How the rule works.

3 Oct 2026 A weathered single-storey house with potted plants at its gate sits on a street corner under a large neem tree, with four-storey apartment buildings on either side. Money8 min read ज़मीन आपकी, बिल्डिंग उनकी — हिस्सा पक्का कीजिए।

Joint development: giving your land to a builder for a share of flats

Giving your plot or old house to a builder for flats? How to fix the share, the six clauses the agreement must carry, and when the capital gains tax is due.

3 Oct 2026 A new cream two-storey house in a residential lane, a solar panel array raised on a steel frame over its roof and a black water tank set to one side. Money7 min read छत पर बिजली

Rooftop solar for the house you are about to build

PM Surya Ghar pays up to ₹78,000 for a rooftop system. Your roof decides how well it works, so plan the panels before the slab is cast.

3 Oct 2026 A grey-haired man in a light blue shirt works a calculator at a dining table while leafing through a folder of old, yellowed property papers. Money8 min read मुनाफ़ा

Capital gains when you sell property

Selling a plot or house in 2026? The 24-month rule, the 12.5% rate, the pre-July 2024 choice and three ways to reinvest the gain, under the 2025 Act.

3 Oct 2026 A man in a dark turban works a calculator over a notebook at a low table while his wife rests her chin on his shoulder, a laptop open in front of them. Money8 min read होम लोन से टैक्स बचेगा? पहले रीजीम देखिए।

Home loan tax benefits: interest, principal and the regime you choose

The ₹2 lakh interest and ₹1.5 lakh principal deductions live only in the old regime. How each works, for joint owners and while a house is built.

3 Oct 2026 A smiling couple stand in the doorway of a small yellow house hung with a marigold garland, the woman holding up a set of keys, a scooter parked beside the steps. Money8 min read ब्याज में मदद — पर शर्तें पहले पढ़िए।

PMAY-U 2.0: the home-loan interest subsidy, and who qualifies

Up to ₹1.80 lakh off a home loan under PMAY-U 2.0: the income bands, the caps, the pucca-house rule, and how the subsidy is actually paid.

3 Oct 2026 A man holding a folder of papers points across a walled, empty plot while a second man in a striped shirt looks on, houses in the background at golden hour. Money8 min read अपना प्लॉट किस भाव बेचें?

Pricing your plot when you sell

A plot's price is built, not chosen: the guideline rate, real sales nearby, the plot itself and the state of its papers. How to put the four together.

3 Oct 2026 A smiling couple on a beige sofa work out a payment together, the man pointing at a laptop on the coffee table and the woman holding a phone. Money7 min read टीडीएस काटना ख़रीदार का काम है।

TDS on property: the one per cent the buyer must deduct

Buying property for ₹50 lakh or more? One per cent of the price is the seller's tax, and deducting it is your job. What to file, by when, and the NRI exception.

3 Oct 2026 A loan officer in a sari hands a brown leather folder across a wooden desk to a customer seen from behind, in a busy bank office. Money7 min read बैंक क्या-क्या जाँचता है?

What the bank checks before it lends on a property

Before a home loan, a lawyer and a valuer examine the property at the bank's cost. What each one checks, and why a refusal is information.

3 Oct 2026 A couple sit at a wooden dining table by a window, the man writing in a spiral notebook while the woman works a calculator, two cups of tea beside them. Money7 min read किराया या ख़रीद?

Rent or buy: the costs of owning that never make the sum

Rent against EMI is the wrong sum. The five costs of owning it leaves out, and how to compare the two honestly over the years you will actually stay.

3 Oct 2026 Aerial view at dusk of a grid of unpaved roads laid across empty plotted land, with a city skyline on the horizon. Money7 min read ज़मीन एक। सवाल अलग-अलग।

Buying to live vs buying to invest

A home and an investment are different purchases of the same land. Five questions where the answers pull apart, and the one record both of them begin on.

8 Sep 2026 A two-storey brick house under construction on open ground, wrapped in bamboo scaffolding, with a heap of sand, a cement mixer and a stack of red bricks in front of it. Money8 min read प्लॉट पर लोन

Plot loans are not home loans

Less of the value funded, fewer years, sometimes a deadline to build, a tax break that waits — and a bank that checks the ground before it checks you.

8 Sep 2026 Two men at a wooden table in a sunlit office, one resting his hand on a stack of papers pulled from a worn cardboard file. Money7 min read बेचते वक़्त

The questions your own buyer will ask you, asked now

One day you are the seller, and every gap in your file becomes a discount. The five things to get in order years before you list a plot.

8 Sep 2026 Two men in plain shirts shake hands across a worn wooden table in a dim room, a few sheets of paper lying between them. Money7 min read सौदा बनाम ख़र्च

The price is not the cost: stamp duty, guideline rate and the real total

On a ₹50 lakh plot you pay ₹55.25 lakh before a brick is laid. How stamp duty and the guideline rate work in Madhya Pradesh, and the four costs that come after.

8 Sep 2026

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