Union Budget 2026: Navigating the Impact on Your Prestige Home Loan and Property Value

The Union Budget 2026 is an important step for the Indian real estate sector. Instead of giving short term tax benefits. It focuses on long term stability and growth. For investors and homeowners in Prestige projects, this brings a sense of financial confidence. The government has continued the ₹2 lakh home loan interest deduction under Section 24(b) and the ₹1.5 lakh principal repayment benefit under Section 80C. By keeping these benefits unchanged, the budget supports homebuyers and ensures stability in high value home loans.

More importantly, the budget has set aside ₹12.2 lakh crore for infrastructure. This serves as indirect support for homebuyers. By speeding up projects such as Metro Phase 2 and major roads near Prestige Golden Grove, the government is helping increase property values over time. For people paying home loan EMIs, the 2026 budget gives confidence that while monthly payments stay the same, the value of their property is likely to grow steadily. This means your investment.

The 2026 Budget Overview: Continuity in an Era of Growth

The Union Budget 2026 has set aside ₹12.2 lakh crore for capital spending. This plan focuses on long term growth instead of short term benefits. For premium real estate areas, this means better stability and a steady increase in property value.

This money will mainly be used for infrastructure such as roads, metro lines, railways, airports, and city development. These projects improve connectivity and attract businesses and high-income professionals to premium locations.

Key Impacts on Premium Hubs

• Faster Infrastructure Completion – New metro lines, highways, and main roads make daily travel easier and faster.
• More Business Growth – Better connectivity attracts IT companies, corporate offices, and shopping spaces.
• Higher Demand for Homes – Professionals prefer to live near well-connected business areas.
• Steady Property Growth – Government spending on infrastructure helps property prices grow steadily over time.
• Stronger Investor Confidence – Long term government investment gives buyers and investors more trust in the market.

Overall, the ₹12.2 lakh crore Capex plan strengthens premium hubs by improving infrastructure, attracting jobs, and supporting long term property value growth.

Section 24(b) and the Old vs. New Regime Debate

In the Union Budget 2026, homebuyers can still claim up to ₹2 lakh as a tax deduction on home loan interest under the Section 24(b). This is helpful for Prestige Golden Grove Velimela homeowners who have taken large home loans. It is reducing their taxable income and helps them pay less tax every year.

However, homebuyers now face a choice between the old and new tax regimes. The old regime allows deductions like Section 24(b) and Section 80C, while the new regime offers lower tax rates but fewer deductions.

Why Section 24(b) Matters

• Tax Savings – Up to ₹2 lakh interest deduction reduces taxable income.
• Better Loan Planning – Makes high-value home loans more manageable.
• Useful for Premium Buyers – Higher loan amounts mean higher interest payments, so the deduction is valuable.
• Long-Term Benefit – Helps during the early years of the loan when interest outflow is high.

For Prestige Golden Grove homeowners, the old regime often remains beneficial due to these deductions, especially when servicing large home loans.

The Infrastructure Multiplier: Reducing the "Hidden Costs" of Living

The Union Budget 2026 has set aside ₹18,625 crore for PMAY-Urban (Pradhan Mantri Awas Yojana - Urban) and extra funding to develop strong City Economic Regions. While PMAY mainly helps affordable housing, it also improves city infrastructure. This lowers the "hidden costs" of living, such as long travel times, fuel costs, and poor public services.

For areas like Golden Grove, this funding makes daily life easier and helps increase property values over time.

How This Benefits the Golden Grove Micro Market

• Better City Planning – Upgraded roads, drainage, water supply, and public services make living easier and more comfortable.
• Lower Travel Costs – Improved metro and road networks save time and reduce fuel expenses.
• More Jobs Nearby – City Economic Region funding brings offices, industries, and businesses close to homes.
• Higher Rental Demand – More jobs near Golden Grove increase the need for good quality homes.
• Steady Property Growth – Better infrastructure helps property values rise steadily over time.

Lower "Hidden Costs" for Residents

• Shorter Commutes – Traveling to work or other places takes less time.
• Lower Costs – Spending on fuel and vehicle maintenance goes down.
• Better Services – Improved public facilities make daily life easier.
• Improved Lifestyle – Overall living becomes more comfortable and convenient.

Overall, infrastructure funding helps more than just housing. It improves roads, transport, and connectivity in Golden Grove. It reduces everyday expenses and increases the long term value of properties, making it a smart place to invest.

Capital Gains and the 24-Month Rule: Strategy for Investors

The Union Budget 2026 focuses on long-term stability in real estate taxes. For investors in luxury homes like Prestige Golden Grove, knowing the Long-Term Capital Gains (LTCG) rules is very important to get the best returns.

According to the 2026 rules, properties sold after 24 months are treated as long-term assets. LTCG tax is 20% with indexation, which lowers the taxable gain by adjusting for inflation. This 24-month rule is especially important for high-value homes in low-density townships like Golden Grove, where property values are expected to rise steadily over time.

Key Takeaways for Investors

• Hold Period Matters – Selling a property before 24 months may result in higher short-term capital gains tax.
• Indexation Benefits – Holding a property long-term allows adjusting for inflation, which lowers the tax on gains.
• High-Value Homes – Luxury homes in Golden Grove can give large long-term gains if kept for more than 24 months.
• Smart Sale Timing – Plan the sale to match market growth to get the best profit after tax.
• Reinvestment Options – You can reduce or delay LTCG tax by reinvesting in certain residential or capital assets allowed by the government.

LTCG Impact Table (Example for Golden Grove Home)

By planning around the 24 month rule, Prestige Golden Grove investors can maximize returns while minimizing tax liability, making the township a smart choice for long term property investment.

Smart and Sustainable Living: Green Homes with Easy Digital Ownership at Prestige Golden Grove

Prestige Golden Grove has eco-friendly homes that follow the government’s 2026 green initiatives, including the Green Sovereign Bond program. At the same time, digital land records and Bhu-Aadhaar make buying and owning property faster, safer, and easier. These features together offer a modern, smart, and secure living experience for both homeowners and investors.

Key Benefits:

• Eco-Friendly Homes – Energy saving design uses less electricity and water, helping lower bills.
• Tax and Financial Benefits – The government rewards green construction. It is making a smart investment.
• Faster Loan and Registration – Digital land records reduce paperwork and speed up approvals.
• Safe Ownership – Digitized titles reduce the risk of disputes or fraud.
• Clear Transactions – Property details can be easily check in online.
• Good Investment – Eco-friendly and digitally verified homes are popular with professionals and buyers.

Prestige Golden Grove combines sustainability with modern digital convenience, making it a future ready choice for both living comfortably and investing wisely.

NRI Pulse: Budget 2026’s Impact on Global Investment in Prestige Golden Grove

The Union Budget 2026 makes it easier and better for Non-Resident Indians (NRIs) to invest in real estate. Less paperwork and the removal of “Angel Tax” rules make buying property simpler for overseas buyers. In the premium township Prestige Golden Grove, NRIs can now buy, own, and sell homes more easily.

These measures also create a cleaner regulatory environment, reduce tax complications, and improve transparency. The factors that are crucial for high value investments. With upcoming infrastructure projects such as Metro Phase II, the 8-lane Neopolis Access Road, and close to Neopolis’s growing job hub, Golden Grove is positioned as a top choice for NRI investors seeking long-term returns.

Key Benefits for NRIs

• Simplified Compliance – Easier paperwork and reduced approval time for property purchases.
• Tax Clarity – Removal of “Angel Tax” type conditions for real estate reduces uncertainty.
• Better Investment Security – Transparent property records and digital titles enhance safety.
• High ROI Potential – Golden Grove’s location, infrastructure, and premium lifestyle promise strong property appreciation.
• Rental Income Advantage – Growing demand from professionals nearby ensures good rental yields.

Overall, Budget 2026 makes Prestige Golden Grove a secure, attractive, and high return investment destination for NRIs looking at premium Indian real estate.

The 2030 Horizon: Why Your 2026 Home Loan is an Inflation Hedge

Buying a home at Prestige Golden Grove in 2026 is a smart way to protect your money from inflation. Property prices are expected to keep rising until 2030 because of better roads, new jobs in Neopolis, and the township’s high-quality design. By taking a home loan today, buyers can lock in property prices now and benefit from future price appreciation.

Why a 2026 Home Loan is a Smart Move

• Fixed EMIs vs. Rising Property Values – Your monthly payments stay the same while the value of your property grows.
• Inflation Hedge – Property prices usually increase faster than inflation, protecting your investment’s real value.
• Long-Term Wealth Creation – Holding the property until 2030 can give significant gains on top of your loan investment.
• Rental Income Advantage – Growing demand from professionals nearby ensures good rental returns.
• Tax Benefits – Home loan interest and principal repayment deductions reduce overall tax liability.

Home Loan vs. Property Appreciation (Example)

By taking a home loan in 2026, buyers can benefit from price growth, rental income, and tax savings. Prestige Golden Grove becomes not just a home but also a smart financial tool to grow wealth by 2030.