{"id":1422,"date":"2017-08-10T07:39:50","date_gmt":"2017-08-10T07:39:50","guid":{"rendered":"http:\/\/www.trimurty.com\/blog\/?p=1422"},"modified":"2025-03-29T09:31:18","modified_gmt":"2025-03-29T09:31:18","slug":"know-home-loan-better-self-financing","status":"publish","type":"post","link":"https:\/\/www.trimurty.com\/blog\/know-home-loan-better-self-financing\/","title":{"rendered":"Know how a home loan is better than self-financing"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Let us not try to challenge the basics in any way; being a borrower is not easy. There are so many terms and conditions you have to abide by; there are so many dos and don\u2019ts one has to remember. Given a choice, you may never like to seek financial assistance from banks.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, what if you have a choice? What if you have enough money to buy a house without taking a <\/span><a href=\"https:\/\/www.trimurty.com\/blog\/home-loans-in-india-guide-for-first-time-buyers-in-rajasthan\/\"><span style=\"font-weight: 400;\">home loan<\/span><\/a><span style=\"font-weight: 400;\">? You like a house worth Rs 50 lakh, and you and your wife have enough savings to make the purchase without having to go to a housing finance company. Why should you opt for a life where several restrictions will be thrown your way when you can simply avoid them?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A fair point, indeed, but here are some other points that you must consider before arriving at a decision.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Home Loan is Better Than Financing?<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. Liquidity Matters<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It may not be a wise idea to pump all your liquid money into an illiquid asset. In case you need cash owing to an emergency in future, you would find it mighty hard to arrange it. Your home may be worth millions but it happens to be an illiquid asset. It may take a long time before you are able to sell it and use the cash received through the transaction. In short, it is never a good idea to invest all your money in immovable assets.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Tax Benefits on Home Loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You enjoy tax deductions on the principal and interest paid against a home loan. In India, a borrower can claim deductions under Section 80C of the Income Tax Act for the repayment of the principal component.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Principal Deduction: Up to Rs 1.5 lakh under Section 80C.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Deduction: Up to Rs 2 lakh under Section 24.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra Benefit for First-Time Buyers: Additional Rs 1.5 lakh under Section 80EEA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Tax Benefits on Self-Financing: Buying without a loan means missing these savings.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">3. Property Appreciation Covers Loan Costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The value of the property you have bought using other people\u2019s money \u2014 the bank\u2019s in this case \u2014 is going to increase as time progresses. That would be enough to make up for the interest you have been paying on the loan. On the other hand, you can invest in another property using the remaining cash, in case you wish to. If you have liquid money lying in your bank account, there is no lack of choice. You would be limiting your options when you put all your money in an illiquid asset.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Financial Discipline and Stability<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Encourages Budgeting: <\/b><span style=\"font-weight: 400;\">A borrower learns to manage finances better to ensure timely loan repayments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reduces Impulse Spending: <\/b><span style=\"font-weight: 400;\">Without a loan, people are more likely to spend on unnecessary items.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Long-Term Financial Stability: <\/b><span style=\"font-weight: 400;\">Managing a loan instills better money habits, reducing reckless expenditures.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Builds a Responsible Mindset: <\/b><span style=\"font-weight: 400;\">Loan repayments encourage mindful financial decisions and future planning.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">5. Credit Score and Future Borrowing<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Gone are the days when people thought highly of you if you could foot all your bills using the money lying in your pocket. We live in a digital age. You are likely to pay less if you use your credit card for making certain payments, for instance. You get certain discounts in certain restaurants, for example, for using a certain kind of credit card. The same is true of ticket bookings\u2014movie, air tickets, etc.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Would it not simply be dumb to let go of all these advantages because you like to depend on your finances alone? How you utilise financial assistance from banks reflects in your credit score; having no record whatsoever would mean you are a poor manager of finance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, how is home purchase and all this co-related? They are, as a matter of fact. We also live in uncertain times and have no idea when the need to knock the doors of a bank might arise. In case we have no credit record, the bank may not find it comfortable lending to us. In case you take a loan to buy your home, you would also be maintaining a good <\/span><span style=\"font-weight: 400;\">credit history<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While self-financing may seem like an attractive option, a <\/span><a href=\"https:\/\/www.trimurty.com\/blog\/1558-2\/\"><span style=\"font-weight: 400;\">home loan<\/span><\/a><span style=\"font-weight: 400;\"> offers multiple advantages. It ensures financial liquidity, provides tax benefits, and even helps you build a strong credit history.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, think wisely and make an informed decision!\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. What are the tax benefits of taking a home loan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A borrower can claim deductions up to \u20b91.5 lakh under Section 80C on the principal repayment and \u20b92 lakh under Section 24 on the interest paid.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Is it financially safe to take a home loan instead of self-financing?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, a home loan ensures you maintain liquidity, making it easier to manage emergencies without selling your home.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Does taking a home loan improve my credit score?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, regular EMI payments contribute to a positive credit history, improving your credit score and future loan eligibility.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Let us not try to challenge the basics in any way; being a borrower is not easy. There&hellip;","protected":false},"author":1,"featured_media":1423,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-1422","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-property-investment","8":"cs-entry","9":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why a Home Loan is Better Than Self-Financing | Key Benefits Explained<\/title>\n<meta name=\"description\" content=\"Is it better to take a home loan or use your savings? 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