What are the tax benefits associated with home loan EMIs in India? If you’ve taken a home loan, the Indian government allows you to claim tax benefits on your EMIs to reduce your total tax outgo. A typical EMI includes two parts – interest and principal, and both offer tax deductions under different sections of the Income Tax Act. ✅ Tax Benefits on Home Loan EMI: Interest Payment – Section 24(b) You can claim a deduction of up to ₹2,00,000 per year on the home loan interest component of your EMI under Section 24(b). 💡 Tip: Use a home loan interest rate EMI calculator to estimate your monthly interest outgo. Principal Payment – Section 80C You can claim a deduction of up to ₹1,50,000 per year on the principal repayment part of your EMI under Section 80C. 💡 This is also applicable if you use a home loan interest rate EMI calculator to track your repayment split. First-Time Home Buyers – Section 80EEA If this is your first home loan, you may get an additional deduction of ₹1.5 lakh on interest, subject to certain conditions. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

Can I pay the home loan early? Yes, you can pay your home loan early. This is called prepayment or foreclosure, and it helps reduce your loan burden. By paying early, you save money on interest, shorten your loan term, and become debt-free faster. When you use a home loan interest rate EMI calculator, you can clearly see how your monthly payments and interest change if you prepay. Many people don’t realize how much interest they can save by simply making one or two extra payments every year. This is why using a home loan interest rate EMI calculator before and after prepayment is helpful. Some banks may charge a small fee for early payment, especially if your loan has a fixed rate. But most home loan interest rate EMI calculators online can show whether it's still worth it. If your loan is on a floating rate, most lenders do not charge a penalty. Always use a home loan interest rate EMI calculator to check: https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

How do prepayments affect my loan and EMI? Prepaying your home loan means paying extra money toward your loan before the scheduled EMI dates. This can reduce your loan burden significantly. Here’s how: When you make a prepayment, your bank uses that amount to lower the outstanding loan balance. As a result, the total interest you pay over the loan term decreases. You can either reduce your loan tenure (finish the loan earlier) or reduce your EMI (monthly payment). Most people choose to reduce the loan term because it saves more on interest. If you're planning a prepayment, use a home loan interest rate EMI calculator to see how it will impact your EMI and interest. For example, if your home loan is ₹25 lakhs at a 9% interest rate for 20 years, prepaying ₹1 lakh could save you thousands in interest. By using a home loan interest rate EMI calculator, you can check: How much your EMI will change after prepayment How many months you can cut from your loan term How much total interest you can save A home loan interest rate EMI calculator helps you make smart decisions based on your financial goals. In short, prepayments help reduce your home loan burden and can save a lot in interest. Always check the impact using a reliable home loan interest rate EMI calculator before making a decision. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

Can I get a 100% loan? Getting a 100% home loan sounds ideal, especially for first-time buyers. But in reality, banks in India usually do not offer 100% home loans. Most banks and financial institutions offer up to 80%–90% of the property value as a loan. The remaining 10%–20% is called a down payment, which you have to pay from your own pocket. 🏦 Why You Cannot Get 100% Home Loan: Banks follow guidelines set by the Reserve Bank of India (RBI). For safety, they ask buyers to invest something from their own savings. It also reduces the bank’s risk if the property value drops. Even if you have a good CIBIL score, stable job, and low existing loans, 100% home loans are generally not approved by reputed lenders. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

Does Laxmi Group provide loans? No, Laxmi Group does not directly provide home loans. However, they do help buyers with loan assistance by connecting them to trusted banking and financial institutions. If you're buying a 1 or 2 BHK flat from Laxmi Group in Ahmedabad, they can guide you through the process of getting a home loan from a bank or housing finance company. Most of Laxmi Group's projects are RERA approved, which makes it easier to apply for a loan from major banks. You can also check your eligibility using a home loan interest rate EMI calculator — it will help you know your monthly payment, total interest, and repayment schedule. This tool is useful if you're buying a property for the first time. Before you apply, it’s good to: Compare home loan interest rates Use a home loan interest rate EMI calculator to plan your budget Ask the bank for a repayment plan based on your income Make sure the property is approved for funding In short, while Laxmi Group doesn’t give loans directly, they assist buyers in getting the best options. Always use a home loan interest rate EMI calculator before signing any loan papers. It helps you clearly understand what you will pay over time. Use the home loan interest rate EMI calculator to compare different banks and choose wisely. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

Do you retouch all photos or only the best ones? We understand how important every photo is from your big day. As part of our wedding-photo-retouching-service, we do not limit ourselves to editing only the “best” photos. Instead, we review all your wedding images carefully. Every photo that is clear, well-lit, and meaningful is selected for editing. Our goal with the wedding-photo-retouching-service is to make sure every good memory looks polished and beautiful. We remove minor flaws, improve lighting, and enhance colors without changing your natural look. Even the candid shots that seem simple can become your favorites after a touch-up. That’s why our wedding-photo-retouching-service focuses on making all usable images shine—not just a few highlights. We do not use heavy filters or make you look different from real life. Our wedding-photo-retouching-service is all about keeping your pictures real, clear, and joyful. So, no—we don’t just retouch a few photos, we work on every important one so you have a full album you’ll be proud to keep forever. With our wedding-photo-retouching-service, your entire wedding story will be picture-perfect. https://eternaedits.com/wedding-photo-retouching-service/

Can you match my edit style? A wedding-photo-retouching-service is used to improve your wedding pictures. Many couples want their wedding photos to look clear, bright, and perfect. Sometimes, even the best pictures need a little editing. This is where the wedding-photo-retouching-service helps. This service removes spots, smoothens the skin, fixes lighting, and even clears the background. If there are any unwanted things in the photo, they can also be removed. Your dress, makeup, and even the sky in the photo can look better with this editing. Professional editors take your photos and make them more beautiful. With a good wedding-photo-retouching-service, your memories look even more special. It’s not fake—it’s just making your best day look its best. Today, many photographers include wedding-photo-retouching-service as part of their package. Or you can also hire a retouching expert online. If you want your wedding album to look clean, soft, and classy, this service is a good choice. In short, wedding-photo-retouching-service is a simple way to improve your wedding pictures and keep the best moments shining forever. https://eternaedits.com/wedding-photo-retouching-service/

How long does wedding photo retouching servicestake? The time taken for a wedding photo retouching service usually depends on the number of photos, the level of editing required, and the experience of the photo editor. On average, a basic wedding photo retouching service may take 2 to 5 days for a standard album of 50 to 100 images. However, this can vary based on how many photos you need, and the complexity of the corrections (like skin smoothing, background edits, color adjustments, etc.). If you're choosing a wedding photo retouching service that focuses on high-end editing (removing distractions, enhancing dress details, or creative effects), it might take up to 1–2 weeks. Some services also offer express delivery for urgent needs—this can deliver results in 24 to 48 hours, often at a slightly higher cost. It’s always a good idea to talk to the team before placing an order to know the exact delivery timeline. A trusted wedding photo retouching service will usually give you a time estimate based on your requirements. https://eternaedits.com/wedding-photo-retouching-service/

Do you retouch all photos or only the best ones? We understand how important your wedding memories are. In our wedding-photo-retouching-service, we carefully go through all the photos taken during your special day. We do not retouch every single photo — instead, we select the best ones based on lighting, expression, sharpness, and moment captured. Our team chooses the top images that truly tell the story of your wedding. These selected images are then enhanced using our professional wedding-photo-retouching-service to bring out their full beauty. We correct color tones, adjust brightness, remove unwanted elements, and make sure each image looks its best. The reason we don’t retouch every photo is to maintain quality. Some images may be blurred, overexposed, or not suitable for enhancement. So, we focus our wedding-photo-retouching-service on the photos that will matter most to you — the ones that are frame-worthy. If you have personal favorites, you can always request extra edits. We’re happy to apply our wedding-photo-retouching-service to any photo you want polished. Your satisfaction is our priority, and we aim to make every important memory look stunning with our trusted wedding-photo-retouching-service https://eternaedits.com/wedding-photo-retouching-service/

Can I request edits or revisions? Yes, you can request edits or revisions. If you are using a wedding-photo-retouching-service, it is normal to ask for changes if you are not fully happy with the results. Most companies that offer wedding-photo-retouching-service allow a few free revisions, especially if something important is missing or not done the way you expected. When you choose a wedding-photo-retouching-service, make sure to ask how many edits are allowed and how long it takes to get them. Some services may charge extra for many changes, while others include revisions in the main price. It’s a good idea to share clear instructions and sample photos when you first order the wedding-photo-retouching-service. This helps the editor understand your style and saves time later. Also, good wedding-photo-retouching-service providers will listen to your feedback and work with you until you are happy with the final photos. Always check their revision policy before you confirm your order https://eternaedits.com/wedding-photo-retouching-service/