India and Australia tax reforms reshape home‑loan and savings strategies

India's new income‑tax regime is prompting homebuyers to prioritize loan affordability over tax deductions. CFO Bikash Kumar Mishra of Easy Home Finance said borrowers are now focusing on the EMI‑to‑income ratio and repayment capacity, moving away from the previous emphasis on Section 24(b) and Section 80C deductions.

In Australia, the federal budget's replacement of the 50% capital‑gains‑tax discount with indexation and a 30% minimum tax rate is expected to raise the cost of long‑term investment. The change could discourage parents from building wealth for their children's first‑home deposits, altering saving behaviour across the country.