{"id":5685,"date":"2023-08-28T16:03:13","date_gmt":"2023-08-28T16:03:13","guid":{"rendered":"\/blog\/?p=5685"},"modified":"2025-01-30T12:23:15","modified_gmt":"2025-01-30T06:53:15","slug":"how-owning-a-house-can-give-you-the-freedom-to-live","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/","title":{"rendered":"How Owning a House Can Give you the Freedom to Live"},"content":{"rendered":"\n

For any average Indian, having a roof of one\u2019s own is an aspiration, but achieving it can be a mammoth task. Scraping for a down payment, ensuring a decent credit score, figuring out the mortgage specifics, getting paperwork in order, doing up the place once you get possession, dealing with taxes, bills, and other sundry expenses, the tasks on the list are endless. However, the indefatigable Indian will pursue and persist through all trials and tribulations because the benefits of owning a home outweighs the hardships.<\/p>\n\n\n\n

Know More<\/a><\/div>\n\n\n\n

If you too have been contemplating to take the big leap here are eight reasons that will aspire you to become a home owner<\/p>\n\n\n\n

1. Capital appreciation<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Limited real estate available to service a huge housing requirement ensures that the value of your home will only appreciate over the long term. Conversely, money spent on renting a place is a dead expense.<\/p>\n\n\n\n

Over a 30-year period the value of a property is usually expected to double. If you are in a metro such as Mumbai, Delhi or Bangalore, that period could be as short as 10 to 15 years.<\/p>\n\n\n\n

2. Asset building<\/strong><\/p>\n\n\n\n

Very few asset classes can give the kind of returns that real estate does. Owning a house gives you an opportunity to create further wealth or it can help you in times of crises.<\/p>\n\n\n\n

You have the option of earning by renting out space in future, or selling it at a profit and reutilising the funds to move to a bigger or better place, or reallocating funds to other investments.<\/p>\n\n\n\n

In times of crisis, you can always take a loan against your property to tide you over a situation and repay it over a period of time.<\/p>\n\n\n\n

Additional Read<\/strong>: Home Loan in Delhi<\/a><\/p>\n\n\n\n

3. Certainty of expenses and investment<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

For most of us, investment planning tends to be ad hoc. Look at EMIs as a monthly investment rather than an expense. The fixed sum every month that goes towards building your roof ensures that you prepare and stick to a well-thought-out budget.<\/p>\n\n\n\n

4. Freedom to make it your own<\/strong><\/p>\n\n\n\n

If you\u2019ve lived in a rented place, you know that even driving a single nail in the wall requires the landlord\u2019s permission. You can forget about \u2018doing it up\u2019 to your taste. <\/p>\n\n\n\n

With your own home, you have the liberty of making changes as you please, whenever you please. Not just cosmetic changes, but even the option to redesign the space as long as you don\u2019t compromise the structural integrity.<\/p>\n\n\n\n

5. Privacy and surety of space<\/strong><\/p>\n\n\n\n

With a rented place, the equation is always lopsided in favour of the owner. You would have to entertain queries and visits as per their whim.
\nYou may have to pay increasing rentals year-on-year. You may even be asked to vacate at short notice if the homeowner needs the space or finds better prospects.<\/p>\n\n\n\n

All of these factors are eliminated when you step over to the other side and become a homeowner.<\/p>\n\n\n\n

6. Tax benefits<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

The Income Tax Act provides for various deductions for homeowners to reduce their tax outflow on buying a home, especially if a first-time homeowner.<\/p>\n\n\n\n

7. Retirement security<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

At the end of the day, you want to live on your own terms, without being dependant on anyone. Your home provides an income generating possibility with which you could easily enjoy your golden years with your loved ones.<\/p>\n\n\n\n

Owning a home is not only a great milestone, but also considered a yardstick for success within the Indian community. Tata Capital<\/a> understands and values the struggles you undergo on a daily basis and aims to provide the best support it can through flexible payment options, instant approvals, lower EMIs and doing away with prepayment penalties. <\/p>\n\n\n\n

Tata Capital is just the partner that help you create more freedom in life and support you to realise your dreams of becoming a proud homeowner!<\/p>\n\n\n\n

Apply Housing Loan Online<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

For any average Indian, having a roof of one\u2019s own is an aspiration, but achieving it can be a mammoth task. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":5684,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-5685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-home"],"yoast_head":"\nHow owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital<\/title>\n<meta name=\"description\" content=\"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-28T16:03:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-30T06:53:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/01\/owning-a-house.png\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/\",\"name\":\"How owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2023-08-28T16:03:13+00:00\",\"dateModified\":\"2025-01-30T06:53:15+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\"},\"description\":\"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Owning a House Can Give you the Freedom to Live\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"TATA Capital Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\",\"name\":\"Tata Capital\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"caption\":\"Tata Capital\"},\"sameAs\":[\"https:\/\/tata-blog.osian.dev\/blog\"],\"url\":\"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital","description":"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"How owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital","og_description":"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.","og_url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/","og_site_name":"TATA Capital Blog","article_published_time":"2023-08-28T16:03:13+00:00","article_modified_time":"2025-01-30T06:53:15+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/01\/owning-a-house.png","type":"image\/png"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/","url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/","name":"How owning a house can give you the freedom to live \u2013 Home Loan Blog by Tata Capital","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2023-08-28T16:03:13+00:00","dateModified":"2025-01-30T06:53:15+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a"},"description":"Know how owning a home can provide financial security, investment opportunities, privacy, and the freedom to make it your own, bringing stability and peace of mind.","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-owning-a-house-can-give-you-the-freedom-to-live\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How Owning a House Can Give you the Freedom to Live"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"TATA Capital Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a","name":"Tata Capital","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","caption":"Tata Capital"},"sameAs":["https:\/\/tata-blog.osian.dev\/blog"],"url":"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2020\/01\/owning-a-house.png","_links":{"self":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/5685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/comments?post=5685"}],"version-history":[{"count":5,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/5685\/revisions"}],"predecessor-version":[{"id":42597,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/5685\/revisions\/42597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media\/5684"}],"wp:attachment":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media?parent=5685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/categories?post=5685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/tags?post=5685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}