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Your Queries: Loans – If PMAY subsidy loss less than gain on rate cut, go for balance transfer

There is no established timeline for the release of the PMAY subsidy. You will have to wait it out. Check if the floating interest rate applicable to you (sanction letter) is linked to the repo rate.
For a second sale, where the buyer is availing a home loan, the bank asks for property valuation certificate by their approved valuer.
Income Tax Calculator, Budget 2019, How to Calculate Income Tax
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