New Delhi, Aug. 10 -- Many deliberating on buying a home consider multiple options to finance their investment while ensuring maximum tax relief. One such case relates to whether a home buyer can use Systematic Withdrawal Plan (SWPs) from long-term mutual funds or stocks for monthly home -loan pre-pay-ments. Cleartax founder and chief exec-ut-ive Archit Gupta provided an insightful answer to this concerning question.

According to the industry expert, many home-buy-ers buy a house with a home loan, con-tinue their SIPS and use monthly SWP with-draw-als from mutual funds or stocks to repay the loan instead of liquid-ating their entire invest-ment port-fo-lio upfront. There is a reason why this approach is chosen over the other alternative....