{"id":6762,"date":"2026-11-06T13:12:09","date_gmt":"2026-11-06T13:12:09","guid":{"rendered":"https:\/\/www.koltepatil.com\/blog\/?post_type=web-story&#038;p=6762"},"modified":"2026-11-07T09:58:46","modified_gmt":"2026-11-07T09:58:46","slug":"first-time-homebuyer-tax-benefits-2026","status":"publish","type":"web-story","link":"https:\/\/www.koltepatil.com\/blog\/web-stories\/first-time-homebuyer-tax-benefits-2026\/","title":{"rendered":"8 Tax Benefits for First-Time Homebuyers"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Roboto\" rel=\"stylesheet\"\/><link href=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1.jpg\" rel=\"preload\" as=\"image\"\/>\n<style amp-boilerplate=\"\">body{-webkit-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-moz-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-ms-animation:-amp-start 8s steps(1,end) 0s 1 normal both;animation:-amp-start 8s steps(1,end) 0s 1 normal both}@-webkit-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-moz-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-ms-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-o-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}<\/style>\n<p><noscript><\/p>\n<style amp-boilerplate=\"\">body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none}<\/style>\n<p><\/noscript><\/p>\n<style amp-custom=\"\">\n              h1, h2, h3 { font-weight: normal; }<\/p>\n<p>              amp-story-page {\n                background-color: #131516;\n              }<\/p>\n<p>              amp-story-grid-layer {\n                overflow: visible;\n              }<\/p>\n<p>              @media (max-aspect-ratio: 9 \/ 16)  {\n                @media (min-aspect-ratio: 320 \/ 678) {\n                  amp-story-grid-layer.grid-layer {\n                    margin-top: calc((100% \/ 0.5625 - 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(2 * 74px));\n              }<\/p>\n<p>              .captions-area {\n                padding: 0 32px 0;\n              }<\/p>\n<p>              amp-story-captions {\n                margin-bottom: 16px;\n                text-align: center;\n              }<\/p>\n<p>              amp-story-audio-sticker {\n                height: 100%;\n              }<\/p>\n<p>              .audio-sticker {\n                font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>8 Tax Benefits Every First-Time Homebuyer in India Should Know (2026)<\/title><link rel=\"canonical\" href=\"https:\/\/www.koltepatil.com\/blog\/web-stories\/first-time-homebuyer-tax-benefits-2026\/\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"Kolte-Patil Developers\" publisher-logo-src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2025\/09\/cropped-Asset-2.png\" title=\"8 Tax Benefits for First-Time Homebuyers\" poster-portrait-src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-cover-640x853.jpg\"><amp-story-page id=\"29196308-1a9f-4b5d-bff1-20ffe0801bdb\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-3b9cd013-7270-42aa-b780-9b5884aac347\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1.jpg\" alt=\"Young Indian couple holding keys to their first home showing tax benefits opportunity\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-1-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-1ba2885a-a5fc-417f-880f-e3f869ea6171\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:62.87217%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-208beaaa-d193-498b-8005-6ad21613bb67\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">Buying Your First Home? Know the Tax Benefits That Apply.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-6a608788-7f03-4211-9e40-7efc5b3dc77a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">Price and EMI matter. So do tax savings. Swipe through 8 deductions every first-time buyer should know.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"13798529-7427-43f5-b4d4-18a09715262b\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-40fd8ae4-116e-4ed1-9ff2-009ac3a8a839\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2.jpg\" alt=\"Section 80C home loan principal deduction up to Rs 1.5 lakh for homebuyers\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-2-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-589f4aef-f355-49f2-bb94-18854cde2772\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:62.87217%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-a78e9ed4-f1dc-4907-ad48-4b43aa939c7f\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#1: Rs 1.5 Lakh Deduction on Principal (Section 80C)<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-ad96e8c3-4c5e-443a-bd72-fe0605c33ba3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">Home loan principal qualifies for Section 80C. Claim up to Rs 1.5 lakh in total, including stamp duty and registration. Old regime only.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"d08fed75-f4ef-478e-8ddc-f3f8a96441fe\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4cb808da-981a-4b8c-b11b-293c8f11ee9b\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3.jpg\" alt=\"Section 24b home loan interest deduction up to Rs 2 lakh for self-occupied property\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-3-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-b477d7b2-fbb0-4f8b-821a-61f462ea9059\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:62.87217%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-bc9a6986-39bd-4a7a-b9ad-2a0fb2150b31\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#2: Rs 2 Lakh Deduction on Interest (Section 24b)<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-734fd4d8-0d47-47c2-aced-495b1b7c30d0\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">Claim up to Rs 2 lakh a year on interest for a self-occupied home under Section 24(b), on top of Section 80C. Old regime only.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"06aceaf0-59b7-4a42-bec1-88c1ca0ea36b\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d1206f5e-fe9b-4d35-9504-235c54c74630\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4.jpg\" alt=\"Section 80EE additional Rs 50000 deduction exclusive to first-time homebuyers\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-4-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-8e52f004-dc3a-443b-9b13-79c05a2f189a\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:59.36084%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-a56b1c76-f8b2-472d-a0bc-ab57165a9e80\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#3: Sections 80EE and 80EEA Have Closed<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:76.37540%;width:86.40777%;height:14.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-5bdd89d6-2b45-419f-9af5-184470d26844\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">These extra first-time buyer deductions apply only to loans sanctioned before 31 March 2022. New loans do not qualify.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"1d6db2d1-a716-4d35-834a-40ec22edb122\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7bbc4fda-4067-4375-a87e-5a338fc4b1a7\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5.jpg\" alt=\"Stamp duty and registration charges tax deduction under Section 80C for property buyers\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-5-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-2d9e3860-b042-4346-bbdf-89aa8b84d965\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:62.87217%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-7b3a1b80-d549-4466-aa75-86c640134ca3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#4: Stamp Duty Deduction (Also Under 80C)<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-9588568f-3ddc-40a6-bc25-aba09b60e33c\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">Stamp duty and registration charges qualify for deduction under Section 80C in the year of payment, up to the 80C limit.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"deecf77d-14b8-42d7-94cc-bfa017d2e2ca\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7385e3c7-7b52-45c9-8fa0-905577124b58\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6.jpg\" alt=\"Couple reviewing joint home loan documents showing double tax benefit opportunity\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-6-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-cea6b479-18f1-46ab-b88b-6064f552653a\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:67.89644%;width:86.40777%;height:10.04854%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-3645e136-c2b5-4923-9b86-ffe93fc3add5\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#5: Joint Loan = Double Benefits<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-9bbfbd84-e233-4ec2-9cf7-c655fafa8cf3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">Take a joint home loan with your spouse, and both can claim deductions under Section 80C and 24(b), subject to eligibility.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"0088c635-c883-459c-ad87-d144a870196c\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-561d32bd-20b5-4527-8ab4-1035dc172446\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7.jpg\" alt=\"RERA registered under-construction property showing buyer protection and GST benefits\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-7-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-0e19c50c-6dcc-499c-90b9-3014e0198fad\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:62.87217%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-40707f80-3fd5-47b2-85a2-426965d7d071\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">#6-8: GST Credit, RERA Protection, Pre-EMI Interest<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:79.88673%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-530ca4d3-f585-4570-a60a-cf2cd0a9c8c7\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">5% GST (1% for affordable). Pre-EMI interest is deductible after possession. RERA keeps your investment protected.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"9550a464-7a36-4465-a9b9-1ecd9f01d7f2\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#20252b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ef8621a9-9a51-4b90-a680-b8cd65fd61fd\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8.jpg\" alt=\"Kolte-Patil RERA registered residential projects explore for first home tax benefits\" srcSet=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8.jpg 1080w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8-864x1536.jpg 864w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8-768x1365.jpg 768w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8-576x1024.jpg 576w,https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2026\/11\/gws-first-time-homebuyer-tax-benefits-2026-slide-8-169x300.jpg 169w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:39.28803%;width:100%;height:69.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;background-image:linear-gradient(0deg,rgba(6,18,28,0.88) 0%,rgba(6,18,28,0) 100%)\" id=\"el-78cedc0c-e329-4534-9fe9-d821c4d2f094\"><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:56.07605%;width:86.40777%;height:15.07282%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-4e90658d-8d6f-4a9e-ab6a-cc1c80838f7a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.436893em;line-height:1.15;text-align:left;padding:0;color:#ffffff\"><span><span style=\"font-weight:700;color:#ffffff\">Start Your Home Search with a Trusted Developer<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:73.09061%;width:86.40777%;height:10.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-bf950b3c-89ab-4d1e-ba4f-6c553f872a06\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.250809em;line-height:1.4;text-align:left;padding:0;color:#f0f4f6\"><span><span style=\"font-weight:400;color:#f0f4f6\">RERA-registered projects. 35+ years. 32+ million sq ft delivered. Trusted homes across Pune, Mumbai &amp; Bengaluru.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\" data-kp-related=\"1\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:85.88997%;width:86.40777%;height:4.85437%;opacity:1\"><a href=\"https:\/\/www.koltepatil.com\/blog\/web-stories\/property-booking-checklist\/\" target=\"_blank\" rel=\"noopener\" style=\"pointer-events:initial;display:block;width:100%;height:100%;text-decoration:none;color:inherit\" id=\"el-28a093fb-b8e3-4cda-ae5f-4c997db14325\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0;font-family:&quot;Roboto&quot;,&quot;Helvetica Neue&quot;,&quot;Helvetica&quot;,sans-serif;font-size:0.194175em;line-height:1.3;text-align:left;padding:0.55em 0.8em;color:#ffffff;background-color:rgba(6,18,28,0.82);border-radius:0.5em\"><span style=\"font-weight:500;color:#ffffff\">Related: 7 Checks Before Paying a Booking Amount \u2192<\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" cta-image=\"https:\/\/www.koltepatil.com\/blog\/wp-content\/uploads\/2022\/08\/logo_200x200.jpg\"><a href=\"https:\/\/www.koltepatil.com\/residential-properties\/ongoing\" rel=\"\">Explore Projects<\/a><\/amp-story-page-outlink><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The home loan tax deductions that apply to first-time buyers: Sections 80C and 24(b), what changed with 80EE and 80EEA, and old versus new regime.<\/p>\n","protected":false},"author":2,"featured_media":6753,"template":"","meta":{"_yoast_wpseo_focuskw":"tax benefits for first-time homebuyers","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","web_stories_publisher_logo":3356,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[],"class_list":["post-6762","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8 Tax Benefits for First-Time Homebuyers | Kolte Patil<\/title>\n<meta name=\"description\" content=\"The home loan tax deductions that apply to first-time buyers: Sections 80C and 24(b), what changed with 80EE and 80EEA, and old versus new regime.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.koltepatil.com\/blog\/web-stories\/first-time-homebuyer-tax-benefits-2026\/\" \/>\n<meta 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