New Delhi/Kutch: As the countdown to Union Budget 2026 begins, the Indian real estate sector is buzzing with high expectations. After overcoming the challenges of the pandemic, the industry is now eyeing a record growth phase, looking for a clear roadmap from the government to boost both affordable and luxury housing.
From middle-class families dreaming of their first home to high-net-worth investors, here is what the real estate world expects from the upcoming budget.
1. Relief for First-Time Home Buyers
The biggest demand comes from those planning to buy their first home. With rising interest rates, there is a strong hope that the government will:
- Make home loans more affordable through interest subsidies.
- Increase the tax deduction limit on home loan interest under Section 24(b).
- Provide longer repayment tenures to reduce the EMI burden on urban dwellers.
2. Boosting Growth in Small Cities (Tier 2 & 3)
Experts believe the next growth engine lies in smaller cities. Yashank Wason, MD of Royal Green Realty, states that builders are moving to these markets due to genuine demand. Expectations include better liquidity and tax incentives to establish these segments as safe investment havens, especially with the 'reverse migration' trend.
3. Simplifying Capital Gains & Investment Rules
Personal finance professional Harsh Gupta emphasizes the need for simpler investment rules. Key demands include:
- Streamlining Long-Term Capital Gains (LTCG) tax to encourage more people to invest in property and digital products.
- Clearer regulations for Gold Bonds and Digital Gold to enhance financial inclusion.
4. Luxury Real Estate & NRI Investments
The premium segment is no longer just a choice but a market trend. Navdeep Sardana, Founder of Whiteland Corporation, suggests:
- Increasing the ₹10 crore limit for capital gains investment under Section 54 and 54F to facilitate large-scale deals.
- Simplifying TDS rules for NRI investors to boost foreign capital inflow.
- Focus on Green Financing and Smart Home technology.
5. Commercial & Modern Infrastructure
Industry leaders like Henna Khaneja (Elante Group) highlight that the budget should breathe new life into commercial spaces. Encouraging Data Centers and mixed-use developments through financial aid and investment-friendly policies is the need of the hour in 2026.
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