{"id":4060,"date":"2026-03-14T10:02:26","date_gmt":"2026-03-14T10:02:26","guid":{"rendered":"https:\/\/dfmspl.in\/windsorgroup\/?page_id=4060"},"modified":"2026-04-07T05:06:52","modified_gmt":"2026-04-07T05:06:52","slug":"buyers-guide","status":"publish","type":"page","link":"https:\/\/dfmspl.in\/windsorgroup\/buyers-guide\/","title":{"rendered":"Buyers Guide"},"content":{"rendered":"\t\t
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Loan Enquiries\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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<\/path><\/svg><\/span><\/path><\/svg><\/span>CAN I GET MY HOUSE FINANCED?<\/span><\/path><\/svg><\/div>

Yes. All Windsor projects are approved with most leading banks and financial institutions for availing home loans.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>IS THE BANK \/ FINANCIAL INSTITUTE REPRESENTATIVE CONTACTABLE?<\/span><\/path><\/svg><\/div>

Yes our Sales Team & CRM Team will guide and arrange the meeting with the Bank \/ Financial institution representative where ever required .<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>HOW MUCH LOAN CAN I AVAIL?<\/span><\/path><\/svg><\/div>

Maximum loan of 80% of the Agreement value but it may differ as per your income eligibility as appraised by the bank. All loans are at the sole discretion of the bank.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT IS THE TERM OF THE LOAN THAT BANKS OFFER?<\/span><\/path><\/svg><\/div>

Maximum loan tenures of 30 years, depending on age \/ retirement of the borrower.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>I HAVE TWO HOUSING LOANS ON TWO DIFFERENT PROPERTIES. CAN I GET TAX REBATE FOR BOTH THE LOANS?<\/span><\/path><\/svg><\/div>

Yes, you can get the benefit on both loans. However, the total amount that you will be entitled to will not exceed Rs 1,50,000 for both the homes.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT IS A DOWN PAYMENT?<\/span><\/path><\/svg><\/div>

Generally, banking finance institutions pay around 75 to 85 percent of the cost of the property bought. The remaining 15 to 25 percent of the amount is paid by the borrower direct to the builder \/ seller known as the down payment.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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<\/path><\/svg><\/span><\/path><\/svg><\/span>CAN A SINGLE WOMAN GET A LOAN?<\/span><\/path><\/svg><\/div>

Yes, a single woman can get a loan. Many lending institutions also have special schemes for them, such as a discount of up to 0.25% on the interest rate.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>HOW MUCH TAX REBATE IS AVAILABLE ON A HOME LOAN?<\/span><\/path><\/svg><\/div>

As per Section 80C of the Income Tax Act, you are allowed separate deductions on principal and interest amount of home loan amount, along with other entities like ULIP, PF, PPF, ELSS and NSC’s. In case of principal, you can claim deduction up to Rs 1.5 lakhs while in case of interest, it is Rs 2 lakhs. The amount of stamp duty and registration is also eligible for tax deduction only for the same FY in with the stamp duty is purchased and registered.<\/p>

It is important to note that the tax break can only be claimed for the year in which the construction is completed.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT IS THE DIFFERENCE BETWEEN FIXED RATE AND FLOATING RATE OF INTEREST?<\/span><\/path><\/svg><\/div>

In fixed interest rate, the interest remains constant throughout the loan period irrespective of the changes in market conditions while in the floating interest rate, the interest can decrease or increase depending on market fluctuations.<\/p><\/div>\n\t\t\t\t\t<\/div>

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<\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT ARE THE DOCUMENTS REQUIRED FOR AVAILING A HOME LOAN?<\/span><\/path><\/svg><\/div>

You have to submit the following documents:<\/p>

  • Proof of Identity: PAN, Driving license, Voter ID, Aadhar Card<\/li>
  • Proof of Income<\/li>
  • Salaried Applicants: Latest 3 Months salary slips showing all deductions and Form 16 for the last three years.<\/li>
  • Self Employed Applicants: IT returns for the past 2 years and computation of income for the last 2 years as certified by a CA<\/li>
  • Bank Statement: Past 6 months<\/li>
  • Guarantor Form (Optional)<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div>
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    <\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT IS PRE-EMI?<\/span><\/path><\/svg><\/div>

    Under the Pre-EMI option, the borrower is required to pay only the interest on the loan amount that will be disbursed as per the progress on construction of the project. The actual EMI payment starts after the possession of the house.<\/p><\/div>\n\t\t\t\t\t<\/div>

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    <\/path><\/svg><\/span><\/path><\/svg><\/span>WHAT IS AN EMI?<\/span><\/path><\/svg><\/div>

    In Ready Possession EMI or Equated Monthly Instalment is a fixed amount paid by you to the bank on a specific date every month. The EMIs are fixed when you borrow money from the bank as a loan. EMI’s are used to pay both interest and principal amount of a loan in a way that over a specific number of years, the loan amount is repaid to the bank with interest.<\/p>

    In under construction the borrower disburse the loan amount in instalment as per the demand till the last 100% demand and the EMI is also been charge accordingly, interest will be charge on the actual amount which is disburse and the principal is deducted on the complete loan amount, and Equal Monthly instalment will be deduct immedietly after the 100% loan amount is disburse .<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Tax Benefits Information\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    DO I GET A TAX BENEFIT ON THE LOAN?<\/span><\/div>

    Yes, you will get the tax benefit under sec 80C<\/p><\/div><\/div><\/div>

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    DO I GET DEDUCTION ON INTEREST?<\/span><\/div>

    The repayment of the interest portion of the EMI is allowed as a deduction under section 24 if the purchase or construction is completed within a period of three years from the end of the year in which the loan is taken under the head “income from house property” up to Rs. 2,00,000\/- for self-occupied property and full amount of interest in case of let-out property provided that loss from such let out house property does not exceed Rs.2 Lakhs.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    DO I GET DEDUCTION ON PRINCIPAL REPAYMENT?<\/span><\/div>

    The repayment of principal amount of the loan can be claimed as a deduction under section 80C up to a maximum amount of Rs. 1.5 Lakhs. You can also claim deduction under Section 80C towards payment made for stamp duty, registration fee and other expenses for the purpose of transferring the property in the name of the assessed. All these deductions however should not exceed the overall limit of Rs. 1.5 Lakhs.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    DO I GET DEDUCTION ON STAMP DUTY PAYMENT?<\/span><\/div>

    In tax benefit Stamp duty and registration fee qualify as deductibles under section 80C of the Income-tax Act, 1961, up to a limit of Rs1. 5 lakh. This is one time benefit to client and we can mention this.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    EMI Calculator\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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