2023-24年的联盟预算在所有部门都是平衡的，但从税收的角度来看，它通过提供比旧制度更高的退税起征点，鼓励个人纳税人选择新的税制，允许他们从各种收入来源申请更高的扣除额。
Devika Group的总经理Ankit Aggarwal表示，对于购房者来说，与新的税收制度相比，旧的税收制度为住房贷款的利息和本金支付提供了更多的扣除。
然而，在税收方面，Goel Ganga集团董事Anurag Goel表示，新税制的修改将不允许购房者申请在旧税制下可以获得的减免
1961年所得税法案提供了各种规定的退税在住房贷款,税收减免等本金偿还住房贷款的Rs.1.5多数在80 c部分,税收减免利息支付的住房贷款Rs.2十万的下部分24日和扣除80条款经济区在保障性住房的情况下如果你是初次房地产买家,和部分80经济区还允许纳税人要求额外扣除的Rs.1.5每年十万的。
RPS集团合伙人Suren Goyal表示，所有这些减免都是在旧的税收制度下进行的，因此新的税收制度在降低购房贷款的税负方面不会对购房者有利。
根据基金管理资源专家Siddharth Maurya的说法，选择新税制的人将不得不放弃第80C, 24(b)和80EEA条款下的扣除潜力，考虑到较低的税率和精简的税收结构，例如新的五税板，免税限额为30万卢比，退税限额为70万卢比。
西塔拉曼部长在新税制下为所有纳税人提供了重大的减免，但住房贷款借款人应该意识到，如果他们处于较高的税率等级，他们可以通过选择旧税制有效地节省税款。
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