It is often seen that husbands complain that their wives spend a lot of them. Salary does not come and plan to spend before that. but it’s not like that. Actually, the government runs some such schemes in which if you and your wife invest together, then the return can be doubled. Today, in this news, we will tell you about those plans and plans, after adopting which you will forget to taunt your wife with expenses.
Double saving at post office
If you invest alone in a single monthly plan of the post office, you can deposit a maximum of Rs 9 lakh. At the same time, if you open an account with your wife, then its maximum limit becomes 15 lakh rupees. With this, you can get an income of Rs 5,550 every month at an interest rate of 7.4% sitting at home.
Help wives in cheap home loans
If you make your wife a co-applicant while taking a home loan, you can get a discount of 0.05% in the interest rate. With this, you can save millions of rupees throughout the period of home loan.
Benefits on joint home loan
If your wife works, you can double your savings by taking a separate joint home loan. That is, you and your wife can claim separate tax exemption.
Take help in retirement fund
Young people are currently investing more in senior civil savings schemes. In such a situation, if your wife works, then you can invest in this scheme together. You can invest a maximum of 30 lakh rupees alone. In such a situation, if your wife also joins you, then this limit will double.
TDS on FD will be reduced
If your wife does not do a job, you can open FD in their name and avoid giving TDS on the interest received on it. When the interest exceeds Rs 40,000 in a year, the bank starts cutting 10% TDS on it. But with the help of Form 15G, the bank will not deduct any TDS on the interest received by your wife.
