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Frequently Asked Questions

1. What is the basic procedure of taking home loan & what are the eligibility criteria?
Ans: Home loan eligibility depends upon
• Stability of income
• Profession or nature of business
• Age of the loan seeker
• Credit score
• Attributes of the property
• Your relation with the bank &
• Company you work in.
Usually, all banks provide home loans up to 60 times of your monthly net income.

2. When can I apply for a home loan?
Ans: Apply for a home loan once you have finalised the property to be purchased or constructed. Make sure you do the research about the type of loan you need and follow the checklist:-
• How much deposit do you have?
• What are the processing charges for the loan?
• What is the interest rate
• What’s the best type of loan for you

3. I plan to buy a house worth Rs 25 lakh. My monthly salary is Rs 18,000 and I will retire in another 3 years. Am I eligible for a home loan?
Ans: Your loan eligibility will depend on whether you have pension benefits or not. And, as the loan amount is high compared to your salary, individual banks will have different calculations.

4. Can one sell the property even when the home loan is outstanding?
Ans: It is possible to sell the property even if there is outstanding home loan amount, provided the process is followed-
• Obtain an NOC from the bank/loan for foreclosure
• Pay the foreclosure amount to the bank and obtain documents
• Hand over the documents to the buyer once the registration is done

5. In how many installments can the bank disburse the loan to an Individual?
Ans: Banks disburse the loan in full or in instalments, which usually do not exceed 10 in number. For under-construction property, it will disburse your loan in instalments based on the progress of construction, as assessed by bank and not necessarily according to the developer's agreement.
Enter into an agreement with the developer wherein the payments are linked to the construction work and not pre-defined on a time-based schedule.

6. Can I repay my loan ahead of schedule?
Ans: You can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment. As per the RBI notification, all prepayment charges on floating rate loans have been waived. However, banks can charge as applicable and subject to its terms and conditions on fixed rate loans.
For any other queries about home loan, call our experts @ 8030196296. They are available from 8.30 am to 7.30 pm, except all Tuesdays and 2nd & 3rd Wednesday of the month.

7. How do I foreclose my home loan? Will there be any charge for the foreclosure?
Ans: For foreclosing home loan, you need to:-
• Clear all outstanding dues
• Check if there is any foreclosure amount levied by the bank
• Submit foreclosure request at loan centre
Once the request is received, the bank will begin processing your request.

8. Can I start paying my EMI if my home loan is partly disbursed?
Ans: You can start paying EMI even if the home loan is partly disbursed. The Equated Monthly Instalments (EMI) consist of principal amount and the interest component. Since only a part of your loan has been disbursed, the interest amount in your EMI will be proportionately lower.

9. Can I convert my floating rate loan to a fixed rate loan or vice versa?
Ans: Yes, the floating rate loan can be converted into fixed rate loan and vice versa. The advantage of a fixed interest rate option is that you will be locked into one rate while floating rates tend to change if the bank lowers the borrowing interest rates, if instructed by RBI

10. Are there any restrictions on transfer of immovable properties?
Ans: According the the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value. Therefore, such transactions covered by this chapter can be made only after complying with the prescribed norms.
Customer: I am interested in purchasing a new property in XY city. (where we donot deal and there is no listing available in proptiger & makaan)
Ans: I am glad to see your interest in the deals available in XY region. We currently do not have sellers and deals available in this city. However, I can certainly help with the best available options in the cities where we deal.

Customer: I'm out of town for a couple of months and want to get the exact construction status of my project.
Ans: I would request you to kindly let us know from where have you taken the property. • If customer says that he has taken property from XYZ builder other than proptiger/makaan Response: I would request you to kindly contact your developer/seller for the exact status. If customer says that he has taken the property from proptiger/makaan. Response: I will forward your details to the Concerned department so that they can contact you in 24 - 48 hours. In case of proptiger : You can also directly contact our Customer Care Team at 927-889-2788 from 8.30am to 7.30 pm all 7 days or you can send e-mail as well at customer.service@proptiger.com. In case of makaan: You can also directly contact our Customer Care Team 88-9993-9993 from 8.30am to 7.30 pm all 7 days or you can send e-mail as well at customer.service@makaan.com.

Customer: I live in Mumbai and looking to buy a new property in Pune. I am interested in your XY project and interested in closing the deal very soon. I am not familiar with the area so I need help and want to get detailed information about the surrounding and the exact distance of the market from the project.
Ans: I'll quickly search the information for you (Agent should locate the information available on the website and share with the customer). • If the required information is not available on the website. Response: Request you to kindly share contact details so that I can forward the same to our property experts in Pune to directly contact you and assist you.

Customer: I am looking at the deals available at your website and have seen deals in 99 acres & magic bricks as well please suggest which is better.
Ans: I would recommend you to compare the deals available on all the three websites. I'll quickly share the complete information available on our website as we have rating available, so that you can compare and make the final decision accordingly.

Customer: I am navigating your website from last few hours and seriously considering few projects. Since I am in office so I need the project details via email.
Ans: The agent will ask for specifications and then inform the customer that I will forward you request to the property experts, so that they can advise you the best property as per your needs. If customer insists to receive an email, the agent will forward the customer's details to the TL. TL will forward the request to Customer Service Team.

Customer: I am looking to buy a studio apartment in XYZ project. I find the location good as it is brilliantly connected and located. What's your take on the it? Is the location worth investing?
Ans: Would request you to kindly let us know which website you're considering to buy a property. • If customer says that he is considering XYZ builder other than Proptiger/makaan. Response: We would request you to kindly let me know the exact requirement so that I can also help you in searching your dream home. Agent will take details & go the site to search and share the details with the customers. • If the customer says that he has searched the property on Proptiger. Response: I must say that you've a great choice. I completely agree with you regarding the locations and other factors. Since the location is worth investing, I would highly recommend to proceed with the purchase process. I'll quickly forward your contact details to my expert team so that they can get back to you on this.

Customer: Do you have any idea about future of ABC project which is under construction?
Ans: What exactly you have been looking for. Is it about the price increase over a period of time, possession time or any other thing. If it is regarding price: Response: The real estate market is always a good long-term investment. If it is regarding possession time: Agent will check the website & reply accordingly. Response: I'll quickly share the detailed information available and will also help in locating it on the website.

Customer: I am currently in delhi & wants to shift to pune on rent. Will your broker help me in shifting my home as well if I take on rent from proptiger?
Ans: We provide end to end services related to Real Estate Buy, sell, rent of new & resale property but unfortunatley we do not have alliances which can help you shifting from one place to another.

Customer: I am planning to book an apartment in this XYZ Project? How is the broker? How trustworthy is he? How about the quality?
Ans: We are happy to hear that you have been looking for your dream home. We have ratings available for each property listed by the brokers on our webite www.makaan.com which will tell you about the quality and credibility of the broker. I request you to have a look at the ratings available for different properties on the website.

Customer: Which website would you recommend to book an inventory (e.g. makaan.com or any other website).
Ans: I would recommend to compare pricing and inventory details available on all the websites and make up final decision accordingly. However, on our website i.e. Makaan.com you'll find ratings which can really help you in comparing the deals and in making final and right decision.

Customer: Do you have ratings available for broking websites?
Ans: We currently do not have the ratings available for broking websites. However, we do rate the brokers and developers listed on our website. Additionally, you can check the deals/inventories available on different websites and can compare them.

1. What is Property Tax?
Ans: Property tax is a type of house tax levied annually, which is paid by a landowner to the local government or the municipal corporation of his area.

2. Who pays house/property tax?
Ans: Owner of the property pays this tax. Person in possession of the property might or might not be the owner of the property. Owner is usually the registered owner of the property. Owner here also includes a deemed owner.

3. Who is a deemed owner' for the purpose of payment of property tax?
Ans: Deemed owner is an owner by implication, he may not be the person under whose name property is registered. Some instances in which a person who is not the owner of the property is considered to be the owner for the purpose of tax levy are- 1) When an individual transfers any house property to his/her spouse or minor child without any adequate consideration then such an individual is deemed to be the owner of that house property. In case of spouse such transfer should not be under any agreement for separation. 2) When two or more persons own a house property in which is not legally divisible then the holder of such impartible property would be deemed to be the owner of such property.. For example, where a Hindu Undivided Family (HUF) jointly holds property on behalf of all its members, it will be treated as the owner, though legally, the property will be in the names of individual members of the family. 3) A person who has acquired any rights in a house property by way of lease for not less than 12 years is deemed to be the owner of that property. 4) A person, being the transferee (buyer), who under a contract for transfer of a house property takes possession of the property and has performed or willing to perform his part of contract attracts the provisions of section 53A of the Transfer of Property Act, 1882 and is deemed to be the owner of the property. It is to be noted that in this case the transferee has no title in the property, he only has the possession of the property. 5) A person who is a member of cooperative society, company or other association of persons to whom a building has been allotted under a house building scheme of the society, company or association, as the case maybe, will be treated as deemed owner of that property.

4. What all does the term property include for the purpose of income tax?
Ans: The term property for the purpose of Income Tax Act, 1961 is limited to any building including land forming an integral part of that building, i.e. necessary for the use of the building and not used for any other purpose which may generate taxable income, for example a paid parking lot would not be considered part of a building and would be treated as a separate property. Tax on rental income from a vacant plot is charged under the head income of other sources. Income from property used for business and profession will be taxed under the head income from profits and gains from business or profession.

5. Can a property other than a property used for residential purpose by the owner and his family, be called a self-occupied property?
Ans: A property owned by a person and occupied by him and his family for residence is considered to be a self-occupied property. However, if with respect to any property following conditions are satisfied then it is treated as a self-occupied property- 1. Property is owned by the taxpayer. 2. Such property is not let out to any person and generates no benefit to the taxpayer. 3. Taxpayer cannot occupy or reside in such property owing to his employment, profession or business carried on at some other place and he has to reside at that other place in a property which does not belong to him.

6. My house property does not generate any income. Am I still liable to pay house property tax with respect to that property?
Ans: Yes, even though you are not liable to pay tax on income from property you are still liable to pay house property tax for that property. Basis for taxation under the head house property is not the actual income generated by a property but its potential to generate income. Hence, it's irrelevant whether that property generates any actual income or not. Suppose you own two properties and both of them are occupied by you and your family, then for the purpose of income tax only one of them will be exempted from taxation and fair rent value of the other will be considered your income from that property.

7. Do I have to pay property tax for a vacant house property other than self-occupied property?
Ans: Yes. Such a property is deemed to be let-out' and tax is charged on its estimated annual rent value. This property should not be the one on which the owner avails self-occupied property benefit.

8. Who will pay the property tax when title of property is in dispute?
Ans: When there is a dispute between two persons with regard to the title of the property, till the dispute is decided by the court, the assessing officer has the power to decide the owner who will be the liable to pay the tax till the title is in dispute. If his decision is against what the court later decides, then the person who paid the tax can ask for refund from the other person.

9. How is house property tax calculated?
Ans: House property tax is calculated on the basis of Annual Value' of the property. Annual value is different for let-out property and self-occupied property. It differs from state to state and location to location.

10. How is the Annual Value for let-out property calculated? What are the deductions from this annual value allowed?
Ans: Gross Annual Value of a let-out property is equal to the maximum of the following- 1. The sum for which the property might reasonably be expected to let from year to year. 2. Actual rent received or receivable by the owner of the let-out property. 3. Municipal valuation of the property. Net Annual Value is then calculated by deducting municipal taxes paid during the year from the Gross Annual Value. Deductions are provided under Section 24 of the Income Tax Act, 1961. Deductions provided under the section are exhaustive. These are deducted from the Net Annual Value and remaining amount is taxed- 1.A sum equal to 30% of the net annual value as computed above. 2.Interest on money borrowed for acquisition/construction/ repair/renovation of property is deductible on accrual basis. Interest paid during the pre-construction/acquisition period will be allowed in five successive financial years starting with the financial year in which construction/acquisition is completed. This deduction is also available in respect of a self-occupied property and can be claimed up to maximum of Rs.30,000/-. The Finance Act, 2001 had provided that with effect from the year 2002-03 the amount of deduction available under this clause would be available up to Rs.1,50,000/- in case the property is acquired or constructed with capital borrowed on or after 1.4.99 and such acquisition or construction is completed before 1.4.2003. The Finance Act 2002 has further removed the requirement of acquisition/ construction being completed before 1.4.2003 and has simply provided that the acquisition/construction of the property must be completed within three years from the end of the financial year in which the capital was borrowed.

Home Loan

1. What is the basic procedure of taking home loan & what are the eligibility criteria?
Ans: Home loan eligibility depends upon
• Stability of income
• Profession or nature of business
• Age of the loan seeker
• Credit score
• Attributes of the property
• Your relation with the bank &
• Company you work in.
Usually, all banks provide home loans up to 60 times of your monthly net income.

2. When can I apply for a home loan?
Ans: Apply for a home loan once you have finalised the property to be purchased or constructed. Make sure you do the research about the type of loan you need and follow the checklist:-
• How much deposit do you have?
• What are the processing charges for the loan?
• What is the interest rate
• What’s the best type of loan for you

3. I plan to buy a house worth Rs 25 lakh. My monthly salary is Rs 18,000 and I will retire in another 3 years. Am I eligible for a home loan?
Ans: Your loan eligibility will depend on whether you have pension benefits or not. And, as the loan amount is high compared to your salary, individual banks will have different calculations.

4. Can one sell the property even when the home loan is outstanding?
Ans: It is possible to sell the property even if there is outstanding home loan amount, provided the process is followed-
• Obtain an NOC from the bank/loan for foreclosure
• Pay the foreclosure amount to the bank and obtain documents
• Hand over the documents to the buyer once the registration is done

5. In how many installments can the bank disburse the loan to an Individual?
Ans: Banks disburse the loan in full or in instalments, which usually do not exceed 10 in number. For under-construction property, it will disburse your loan in instalments based on the progress of construction, as assessed by bank and not necessarily according to the developer's agreement.
Enter into an agreement with the developer wherein the payments are linked to the construction work and not pre-defined on a time-based schedule.

6. Can I repay my loan ahead of schedule?
Ans: You can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment. As per the RBI notification, all prepayment charges on floating rate loans have been waived. However, banks can charge as applicable and subject to its terms and conditions on fixed rate loans.
For any other queries about home loan, call our experts @ 8030196296. They are available from 8.30 am to 7.30 pm, except all Tuesdays and 2nd & 3rd Wednesday of the month.

7. How do I foreclose my home loan? Will there be any charge for the foreclosure?
Ans: For foreclosing home loan, you need to:-
• Clear all outstanding dues
• Check if there is any foreclosure amount levied by the bank
• Submit foreclosure request at loan centre
Once the request is received, the bank will begin processing your request.

8. Can I start paying my EMI if my home loan is partly disbursed?
Ans: You can start paying EMI even if the home loan is partly disbursed. The Equated Monthly Instalments (EMI) consist of principal amount and the interest component. Since only a part of your loan has been disbursed, the interest amount in your EMI will be proportionately lower.

9. Can I convert my floating rate loan to a fixed rate loan or vice versa?
Ans: Yes, the floating rate loan can be converted into fixed rate loan and vice versa. The advantage of a fixed interest rate option is that you will be locked into one rate while floating rates tend to change if the bank lowers the borrowing interest rates, if instructed by RBI

10. Are there any restrictions on transfer of immovable properties?
Ans: According the the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value. Therefore, such transactions covered by this chapter can be made only after complying with the prescribed norms.

Buyer FAQ's

Customer: I am interested in purchasing a new property in XY city. (where we donot deal and there is no listing available in proptiger & makaan)
Ans: I am glad to see your interest in the deals available in XY region. We currently do not have sellers and deals available in this city. However, I can certainly help with the best available options in the cities where we deal.

Customer: I'm out of town for a couple of months and want to get the exact construction status of my project.
Ans: I would request you to kindly let us know from where have you taken the property. • If customer says that he has taken property from XYZ builder other than proptiger/makaan Response: I would request you to kindly contact your developer/seller for the exact status. If customer says that he has taken the property from proptiger/makaan. Response: I will forward your details to the Concerned department so that they can contact you in 24 - 48 hours. In case of proptiger : You can also directly contact our Customer Care Team at 927-889-2788 from 8.30am to 7.30 pm all 7 days or you can send e-mail as well at customer.service@proptiger.com. In case of makaan: You can also directly contact our Customer Care Team 88-9993-9993 from 8.30am to 7.30 pm all 7 days or you can send e-mail as well at customer.service@makaan.com.

Customer: I live in Mumbai and looking to buy a new property in Pune. I am interested in your XY project and interested in closing the deal very soon. I am not familiar with the area so I need help and want to get detailed information about the surrounding and the exact distance of the market from the project.
Ans: I'll quickly search the information for you (Agent should locate the information available on the website and share with the customer). • If the required information is not available on the website. Response: Request you to kindly share contact details so that I can forward the same to our property experts in Pune to directly contact you and assist you.

Customer: I am looking at the deals available at your website and have seen deals in 99 acres & magic bricks as well please suggest which is better.
Ans: I would recommend you to compare the deals available on all the three websites. I'll quickly share the complete information available on our website as we have rating available, so that you can compare and make the final decision accordingly.

Customer: I am navigating your website from last few hours and seriously considering few projects. Since I am in office so I need the project details via email.
Ans: The agent will ask for specifications and then inform the customer that I will forward you request to the property experts, so that they can advise you the best property as per your needs. If customer insists to receive an email, the agent will forward the customer's details to the TL. TL will forward the request to Customer Service Team.

Customer: I am looking to buy a studio apartment in XYZ project. I find the location good as it is brilliantly connected and located. What's your take on the it? Is the location worth investing?
Ans: Would request you to kindly let us know which website you're considering to buy a property. • If customer says that he is considering XYZ builder other than Proptiger/makaan. Response: We would request you to kindly let me know the exact requirement so that I can also help you in searching your dream home. Agent will take details & go the site to search and share the details with the customers. • If the customer says that he has searched the property on Proptiger. Response: I must say that you've a great choice. I completely agree with you regarding the locations and other factors. Since the location is worth investing, I would highly recommend to proceed with the purchase process. I'll quickly forward your contact details to my expert team so that they can get back to you on this.

Customer: Do you have any idea about future of ABC project which is under construction?
Ans: What exactly you have been looking for. Is it about the price increase over a period of time, possession time or any other thing. If it is regarding price: Response: The real estate market is always a good long-term investment. If it is regarding possession time: Agent will check the website & reply accordingly. Response: I'll quickly share the detailed information available and will also help in locating it on the website.

Customer: I am currently in delhi & wants to shift to pune on rent. Will your broker help me in shifting my home as well if I take on rent from proptiger?
Ans: We provide end to end services related to Real Estate Buy, sell, rent of new & resale property but unfortunatley we do not have alliances which can help you shifting from one place to another.

Customer: I am planning to book an apartment in this XYZ Project? How is the broker? How trustworthy is he? How about the quality?
Ans: We are happy to hear that you have been looking for your dream home. We have ratings available for each property listed by the brokers on our webite www.makaan.com which will tell you about the quality and credibility of the broker. I request you to have a look at the ratings available for different properties on the website.

Customer: Which website would you recommend to book an inventory (e.g. makaan.com or any other website).
Ans: I would recommend to compare pricing and inventory details available on all the websites and make up final decision accordingly. However, on our website i.e. Makaan.com you'll find ratings which can really help you in comparing the deals and in making final and right decision.

Customer: Do you have ratings available for broking websites?
Ans: We currently do not have the ratings available for broking websites. However, we do rate the brokers and developers listed on our website. Additionally, you can check the deals/inventories available on different websites and can compare them.

Property Tax

1. What is Property Tax?
Ans: Property tax is a type of house tax levied annually, which is paid by a landowner to the local government or the municipal corporation of his area.

2. Who pays house/property tax?
Ans: Owner of the property pays this tax. Person in possession of the property might or might not be the owner of the property. Owner is usually the registered owner of the property. Owner here also includes a deemed owner.

3. Who is a deemed owner' for the purpose of payment of property tax?
Ans: Deemed owner is an owner by implication, he may not be the person under whose name property is registered. Some instances in which a person who is not the owner of the property is considered to be the owner for the purpose of tax levy are- 1) When an individual transfers any house property to his/her spouse or minor child without any adequate consideration then such an individual is deemed to be the owner of that house property. In case of spouse such transfer should not be under any agreement for separation. 2) When two or more persons own a house property in which is not legally divisible then the holder of such impartible property would be deemed to be the owner of such property.. For example, where a Hindu Undivided Family (HUF) jointly holds property on behalf of all its members, it will be treated as the owner, though legally, the property will be in the names of individual members of the family. 3) A person who has acquired any rights in a house property by way of lease for not less than 12 years is deemed to be the owner of that property. 4) A person, being the transferee (buyer), who under a contract for transfer of a house property takes possession of the property and has performed or willing to perform his part of contract attracts the provisions of section 53A of the Transfer of Property Act, 1882 and is deemed to be the owner of the property. It is to be noted that in this case the transferee has no title in the property, he only has the possession of the property. 5) A person who is a member of cooperative society, company or other association of persons to whom a building has been allotted under a house building scheme of the society, company or association, as the case maybe, will be treated as deemed owner of that property.

4. What all does the term property include for the purpose of income tax?
Ans: The term property for the purpose of Income Tax Act, 1961 is limited to any building including land forming an integral part of that building, i.e. necessary for the use of the building and not used for any other purpose which may generate taxable income, for example a paid parking lot would not be considered part of a building and would be treated as a separate property. Tax on rental income from a vacant plot is charged under the head income of other sources. Income from property used for business and profession will be taxed under the head income from profits and gains from business or profession.

5. Can a property other than a property used for residential purpose by the owner and his family, be called a self-occupied property?
Ans: A property owned by a person and occupied by him and his family for residence is considered to be a self-occupied property. However, if with respect to any property following conditions are satisfied then it is treated as a self-occupied property- 1. Property is owned by the taxpayer. 2. Such property is not let out to any person and generates no benefit to the taxpayer. 3. Taxpayer cannot occupy or reside in such property owing to his employment, profession or business carried on at some other place and he has to reside at that other place in a property which does not belong to him.

6. My house property does not generate any income. Am I still liable to pay house property tax with respect to that property?
Ans: Yes, even though you are not liable to pay tax on income from property you are still liable to pay house property tax for that property. Basis for taxation under the head house property is not the actual income generated by a property but its potential to generate income. Hence, it's irrelevant whether that property generates any actual income or not. Suppose you own two properties and both of them are occupied by you and your family, then for the purpose of income tax only one of them will be exempted from taxation and fair rent value of the other will be considered your income from that property.

7. Do I have to pay property tax for a vacant house property other than self-occupied property?
Ans: Yes. Such a property is deemed to be let-out' and tax is charged on its estimated annual rent value. This property should not be the one on which the owner avails self-occupied property benefit.

8. Who will pay the property tax when title of property is in dispute?
Ans: When there is a dispute between two persons with regard to the title of the property, till the dispute is decided by the court, the assessing officer has the power to decide the owner who will be the liable to pay the tax till the title is in dispute. If his decision is against what the court later decides, then the person who paid the tax can ask for refund from the other person.

9. How is house property tax calculated?
Ans: House property tax is calculated on the basis of Annual Value' of the property. Annual value is different for let-out property and self-occupied property. It differs from state to state and location to location.

10. How is the Annual Value for let-out property calculated? What are the deductions from this annual value allowed?
Ans: Gross Annual Value of a let-out property is equal to the maximum of the following- 1. The sum for which the property might reasonably be expected to let from year to year. 2. Actual rent received or receivable by the owner of the let-out property. 3. Municipal valuation of the property. Net Annual Value is then calculated by deducting municipal taxes paid during the year from the Gross Annual Value. Deductions are provided under Section 24 of the Income Tax Act, 1961. Deductions provided under the section are exhaustive. These are deducted from the Net Annual Value and remaining amount is taxed- 1.A sum equal to 30% of the net annual value as computed above. 2.Interest on money borrowed for acquisition/construction/ repair/renovation of property is deductible on accrual basis. Interest paid during the pre-construction/acquisition period will be allowed in five successive financial years starting with the financial year in which construction/acquisition is completed. This deduction is also available in respect of a self-occupied property and can be claimed up to maximum of Rs.30,000/-. The Finance Act, 2001 had provided that with effect from the year 2002-03 the amount of deduction available under this clause would be available up to Rs.1,50,000/- in case the property is acquired or constructed with capital borrowed on or after 1.4.99 and such acquisition or construction is completed before 1.4.2003. The Finance Act 2002 has further removed the requirement of acquisition/ construction being completed before 1.4.2003 and has simply provided that the acquisition/construction of the property must be completed within three years from the end of the financial year in which the capital was borrowed.

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