In this episode , we are joined by CA Vineeth Suresh, who shares expert insights into how Union Budget 2025 impacts real estate sector and your investments. It also covers key financial and policy changes, including tax reliefs, home loan benefits, infrastructure investments, and GST implications, and their effects on homebuyers, developers and the overall real estate market.
Topics Covered:
1) ₹10,000 Cr for Hyderabad – Urban Challenge Fund allocation and its impact on infrastructure and real estate.
2) Repo Rate drop at 6.2%– How lower interest rates will affect home loans and real estate investments.
3) ₹12.75L Tax-Free Slab – More disposable income and its influence on homebuying decisions.
4) West Hyderabad’s Growth – Market trends, investment potential, and whether prices will rise or stagnate.
5) TDS on Rent Eased – New compliance rules and what they mean for landlords and tenants.
6) Home Loan Strategies 2025 – Ways to maximise savings and leverage lower interest rates.
7) Real Estate & GST Impact – Key policy updates affecting builders and homebuyers.
8) Government Incentives for Housing – What’s new for affordable and stalled projects.
9) SWAMIH Fund – ₹15,000 Cr boost to complete stalled housing projects.
10)Asset Monetization – Govt leveraging public assets to fuel real estate growth.
11) Impact on Unsold Inventory – Lower taxes & cheaper loans drive demand, clearing stock & fueling new projects.
12) Investment Outlook for 2025 – Should you buy now, wait, or invest elsewhere?
This episode provides a clear breakdown of Budget 2025’s impact on Hyderabad’s real estate landscape. Stay informed and make smarter investment decisions.
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Timestamps:
00:00 - Intro
01:32 - Real estate journey
02:27 - Impact of ₹12L tax slab on salaried individuals
06:25 - Housing loan rate cut: Impact on homebuyers
07:31 - Lowering Interest rate on existing housing loan
08:56 - Example
10:16 - 0 to 60 lakhs
12:01 - Reduced Tax: Boost in real estate investments?
13:25 - Real Estate Investment Trusts (REITs)
15:07 - Hyderabad in next 5 years
16:15 - Has Hyderabad reached its peak?
18:15 - Will Tax Changes Reduce unsold units?
21:16 - Banajara Hills & Jubilee Hills reached their peak?
21:41 - Mindset change for middle class
23:35 - SWAMIH Fund: Allocation & impact
24:44 - Urban Challenge Fund: Allocation & impact
25:58 - 10,000 Cr for Hyderabad
27:22 - Will Hyderabad attract investors from Bangalore, Bombay?
28:33 - What is Asset Monetization Plan?
30:56 - Government's Interest-Free Loans to States
31:31 - 3 major infrastructure projects of Hyderabad
34:25 - Threshold for TDS on rentals
37:07 - Rate of TDS
38:07 - How is rate of TDS determined?
38:55 - Rate of TDS for tenants
40:32 - Rate of TDS for landlords
42:48 - No tax on self-occupied 2nd home
46:53 - Is 3rd self-occupied home taxable?
48:05 - GST policy & Safari Retreats
54:50 - Key takeaways for homebuyers
56:17 - Key takeaways for landlords
56:52 - Key takeaways for builders
57:32 - Takeaways from Union Budget 2025
57:59 - Conclusion