Home loan entitles Individuals to Deduction Under Section 80C of up to Rs. 1.50 Lakh and Interest Deduction under section 24 of up to Rs. 2 Lakh. Articles deals with Faqs on Benefit U/s. 24 and 80C on Jointly Owned Property, Under Construction Property, multiple properties and Simultaneous benefit of Interest exemption and HRA.
Q-1 What are Income tax benefits of taking and repaying a housing loan under EMI Plan?
You will be eligible to claim both the interest and principal components of your repayment during the year.
- Interest can be claimed as a deduction under Section 24. You can claim up to Rs. 200,000 (Rs. 150000/- up to A.Y. 2014-15) or the actual interest repaid whichever is lower. (You can claim this interest only when you are in possession of the house)
- Principal can be claimed up to the maximum of Rs. 150,000 (Rs. 100000/- up to A.Y. 2014-15) under Section 80C. This is subject to the maximum level of Rs 150,000 (Rs. 100000/- up to A.Y. 2014-15) across all 80C investments.
- You will need to show the statement provided by the lender showing the repayment for the year as well as the interest & principal components of the same.
Q-2 If I buy a house jointly with my wife and take a joint home loan, Can we both claim income tax deduction?
Ans:-Yes, if your wife is working and has a separate source of income, both of you can claim separate deductions in your income tax returns.The repayment of principal amount of the loan can be claimed as a deduction under section 80C up to a maximum amount of Rs. 1.50 (Rs. 1 Lakh up to A.Y. 2014-15) lakh individually by each co-owner.
In cases where the house is owned by more than one person and is also self-occupied by each co-owner, each co-owner shall be entitled to the deduction individually on account of interest on borrowed money up to a maximum amount of Rs. 2 lakh (Rs. 1.50 Lakh up to A.Y. 2014-15). If the house is given on rent, there is no restriction on this amount. Both co-owners can claim deductions in the ratio of ownership.
Q-3 My husband and I have jointly taken a home loan. He pays 75 percent of the EMI. What will be our individual tax benefits?
Ans: – As you have taken a joint home loan, both of you are eligible for tax exemption for your share of the EMI paid. For claiming income tax deduction, the EMI amount is divided into the principal and interest components. The repayment of the principal amount of loan is claimed as a deduction under section 80C of the Income Tax Act up to a maximum amount of Rs. 1.50 (Rs. 1 Lakh up to A.Y. 2014-15) lakh individually by each co-owner. The repayment of the interest portion of the EMI is also allowed as a deduction under section 24 of the Act, which is given under the head “income from house property”. In case you are living in the house for which home loan is taken, both of you shall be entitled to deduction in the ratio (3:1) on account of interest on borrowed money up to a maximum of Rs. 2 lakh individually (Rs. 1.50 Lakh up to A.Y. 2014-15). If the house is given on rent, there is no restriction on this amount and both co-owners can claim deduction in the ratio of ownership- 3:1 in your case.
Q- 4 plan to buy a house by raising loans from friends and relatives. Will I be eligible for tax benefit from all sources?
Ans: – Interest payment to friends and relatives can be claimed u/s 24 but only against a certificate received from them. In the absence of the certificate, you would not be eligible for the deduction. The recipient of interest income who issues the certificate is liable to pay tax on the interest income that he receives. As far as the principal payments are concerned, they would not qualify for tax benefit as loans only from notified institutions and banks are eligible for such deductions.
Q- 5 What are the tax benefits that I can avail of for repaying a home loan ?
You will be eligible to claim both the interest and principal components of your repayment during the year.
- Interest can be claimed as a deduction under Section 24. You can claim up to Rs. 200,000 (Rs. 1.50 Lakh up to A.Y. 2014-15) or the actual interest repaid whichever is lower. (You can claim this interest only when you are in possession of the house).
- Principal can be claimed up to the maximum of Rs. 150,000 (Rs. 1 Lakh up to A.Y. 2014-15) under Section 80C. This is subject to the maximum level of Rs 150,000 (Rs. 1 Lakh up to A.Y. 2014-15) across all 80C investments.
- You will need to show the statement provided by the lender showing the repayment for the year as well as the interest & principal components of the same. Double Benefit on Taxes on Housing Loan
Q- 6 . Can I take advantage of tax benefits from a home loan as well as claim House Rent Allowance (HRA) ?
If you took a home loan and are still living in a rented place, you will be entitled to:
1. Tax benefit on principal repayment under Section 80C
2. Tax benefit on interest payment under Section 24
3. House Rent Allowance (HRA) benefit
Of course, you can claim tax benefits on the home loan only if your home is ready to live in during that financial year. Once the construction on your home is complete, the HRA benefit stops. If you took a home loan, got possession of the house, have rented it out and stay in a rented accommodation, you will be entitled to all the three benefits mentioned above. However, in this case, the rent you receive would be considered as your taxable income.
Q- 7. I have a home loan in which I am a co-applicant. However, the total EMI amount is paid by me. What is the total income tax exemption that I can avail of ?
Yes, you can claim income tax exemption if you are a co applicant in a housing loan as long as you are also the owner or co owner of the property in question. If you are only person repaying the loan, you can claim the entire tax benefit for yourself (provided you are an owner or co-owner). You should enter into a simple agreement with the other borrowers stating that you will be repaying the entire loan. If you are paying part of the EMI, you will get tax benefits in the proportion to your share in the loan.
Q- 8. I have two housing loans on two different properties. Can I get tax rebate under sec 80 C of both the loans?
Yes, you can get the 80C benefit on both loans. However, the total amount that you will be entitled to will be a total of Rs 150,000 (Rs. 1 Lakh up to A.Y. 2014-15) across both the homes.
The interest paid on a home loan is not directly deductible from your salary income for either of your flat loans. Income from house property will be calculated for each flat you own. If either of theses calculations shows a loss, this loss can be set off against your income from other heads. Please note with effect from financial year 2017-18 Govt has restricted the limit of set off of loss from house property against other heads of Income to Rs. 2 Lakh. Till financial year 2016-17 there was no restriction and assessee was allowed to set-off any loss from house property against other heads of Income. Please note the restriction is placed on set-off of losses and not on the amount of home loan interest that can be claimed as a deduction under Section 24 for a rented house property, the losses which could arise on account of such interest repayment can be set off only to the extent of Rs 2 lakhs. Such loss in excess of Rs. 2 Lakh can be carried forward for upto 8 Assessment Years succeeding the year of loss and can be set off against Income under the head House Property.
As for Section 24 deduction, on your self-occupied house you can take advantage of interest payments up to Rs.2,00,000 (Rs. 1.50 Lakh up to A.Y. 2014-15). For the other property, you can claim actual interest repaid, there is no limit for the same.
Q- 9.I live in Delhi in my own house. In 2011, I took a housing loan to fund the purchase of an under-construction flat in another city (Faridabad which comes under National Capital Region of Delhi but otherwise falls in Haryana). It is expected to be completed in FY 19. I haven’t claimed any tax benefit so far. What happens to the loan installments I have paid so far? Can they also be claimed for tax benefit?
According to the Income-tax Act, 1961, where the property has been acquired or constructed with borrowed capital, the interest payable on such capital for the period prior to the year in which the property has been acquired shall be allowed as deduction in five equal instalments beginning from the year in which the property is acquired. Thus, the interest included in the loan instalment paid by you during the construction period shall be eligible for deduction from the year in which the flat is acquired/construction is completed.
The principal amount of the loan repaid till date shall not be available as a deduction under section 80C till the time the construction of the flat gets completed. Once the flat is completed and the possession is handed over to you, you will be eligible to claim deduction for interest paid on the loan under section 24(b) and principal amount of loan under section 80C. The total amount of deduction available under section 80C shall be limited to Rs. 1.50 lakh (Rs. 1 Lakh up to A.Y. 2014-15). Thus, as of now, you are not eligible for any tax benefit on such loan repayments.
Q. 10 Is there any additional deduction which I can claim in respect of Interest on Housing loan in addition to interest Under Section 24(b)?
Ans. Finance Minister inserted a new section 80EE relating to the additional deduction in respect of interest on loan taken for residential house property. Assessee can avail the benefits of this section in A.Y. 2017-18 & subsequent assessment years till the loan is repaid. Purpose of this section is to promote house ownership & give a fillip to a number of industries like steel, cement, brick, wood etc. besides jobs to thousands of construction workers. to get more information on the please read the Full Article – Section 80EE Income Tax Benefit on Home Loan Interest
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Things you must know about tax benefits on home loan
1. Home loan borrowers are entitled to tax benefits under Section 80C and Section 24 of the Income Tax Act. These can be claimed by the property’s owner.
2. In the case of co-owners, all are entitled to tax benefits provided they are co-borrowers for the home loan too. The limit applies to each co-owner.
3. A co-owner, who is not a co-borrower, is not entitled to tax benefits. Similarly, a co-borrower, who is not a co-owner, cannot claim benefits.
4. Housing companies usually require all co-owners to be joint borrowers to a home loan. Loan providers specify who can be a joint borrower for a home loan.
5. The tax benefit is shared by each joint owner in proportion to his share in the home loan. It’s important to establish the share for each co-borrower to claim tax benefits.
6. The certificate issued by the housing loan company, showing the split between principal and interest for the EMIs paid, is required for claiming tax benefits.
(Republished with Amendments)
Hi, I’m a co-borrower for a housing (repairs) loan but the property is in the name of my mother (housewife) who does not have any income. Can I claim deduction for the payment I make towards EMI?
Hi
I want to know the tax liabilities on below case….
I have booked 1st under construction house in virar in the year aug 2009 on house loan. IN the year oct 2013 I got the final possession.
Again in the year feb 2013 I have booked under construction 2nd house in greater noida and taken home loan from bank.
Emi of the bank is running.But I am finding difficulties in paying both emi. So I am thinking to sell my 1st house and pay the loan of 2nd house.
Here I want to know tax liabilities on selling of 1st house and paying the same for 2nd house loan.????
Regards
Babul
07389930033
I have taken a Home Loan on Flat.Both the Loan and Flat is on Joint name with my wife.But I pay entire EMI alone.What type of agreement I can enter with my wife so that I can claim exmption on entire EMI(Pricipal+Interest)?
I am intending to purchase a Flat in the sole name of my wife.
I am taking loan for purchasing that flat.
I am the applicant, and my wife is co-applicant for said loan.
Can I claim Income Tax deduction ?
If yes, under which provision ?
If not, and if my name is must as co-owner of flat, under which provision ?
Please inform whether I can borrow money from my father who is my dependent for purchasing house and claim tax benefit for the interest paid to him.
I have taken a home loan for new Construction of home with my mother . I am co-applicant with my mother for sbi home loan. My mother is main applicant. Property plot owner is name of My mother. The total repayment going on by me. Am I able to take 100% tax benefit on this repayment. Please advice me. – See more at: https://taxguru.in/income-tax/faq-on-housing-loan-and-income-tax-benefit.html#sthash.kcl82nWJ.dpuf
I have taken a home loan for new Construction of home with my mother . I am co-applicant with my mother for sbi home loan. My mother is main applicant. Property plot owner is name of My mother. The total repayment going on by me. Am I able to take 100% tax benefit on this repayment. Please advice me.
Dear Sir,
I am residing in house constructed by availing housing loan and enjoyed tax benefit for this loan and the loan is completed. Now I would like to construct another house at more convenient location by availing bank loan and like to shift to proposed house. I would like to know that
1. Whether I can avail tax benefit for new loan ?
2. Whether want to show rent for old house, even if not actually giving for rent?
3.Please show a sample calculation.
Sir,
I want to apply for second home loan jointly with my wife, already we are having first home loan jointly but only myself claiming for I-Tax,the balance is now very less, so I am going take second home loan jointly with my wife. She is working, can we both get Tax benefit on second home loan.and how should we claim.
#Sanjay
I have booked a apartment in Dec 2011 and have paid almost 95% of the cost by now in installments. I have availed Home Loan in Dec 2011 only and have been paying full EMI from day 1. I have also been availing Interest benefit from my Income from FY 2011-12 till now.
The flat will be ready for Registration and possession in Dec 2014.
What documents are required from Developer to continue to claim IT benefit for Interest paid. My understanding is that the Registration and Possession letter is required from Developer with in 3 years from the FY during with the construction began/bank loan obtained i.e FY 2014-15 (Before 31 March 2015) as I had taken the loan in FY 2011-12. Is this correct?. If not let me know correct rule.
Thanks
Rajashekhar
I purchased a flat in 2011. And i am started paying the full EMI ( Principle and Interest ) from September 2011 to October 2014. I got possession letter in November 2014 this year. For last three year i paid interest alone 11 Lakhs and i haven’t claimed the interest since i learnt that under construction houses should be claimed. Now please help me how to claim the interest i already paid. Also please clarify under what heading i should claim?
Sir,
I have bought a flat and is in possession from 2013. it was rented till September 2014. i had claimed the total interest component on HBA during financial year 2013-14 for tax exemption. now i have self occupied the flat during October 2014.Could you please advise me how the interest on HBA can be claimed for tax benefit.
Thanking you.
Sir/Madam,
Me and my wife r working in Govt sector. We have a home loan for which i claimed IT deduction as per norms for last 5 years. On January,2014 we again purchase a Land under Terms & Conditions of SBI HBL. Can I/we claim IT deduction in both the case? If yes then in what manner?
I bought a plot in 2007 with the aid of bank loan. I have closed the plot loan and planning to sell the plot now. Can i adjust the interest paid for the plot loan against capital gains?
i have purchase a flat in year 2006 by loan from bank. I am repaying the capital and interest on the loan through my salary.
In year 2011 I have taken second house building loan for construction of flat in a society.I am repaying only capital of the second loan.the building is still under construction and not ye completed.
shall i get the benifit of Income tax on both loans, like capital and interest repayment of first loan and capital and accrued interest of the second loan? whether I have to calculate the income on the second house and calculate the income tax ?
we have purchased 35 lakhs rps flat. it is under construction and my father is a businees man, he paid 20 lakhs rps down payment. we had applied for 15 laksh rps home loan from bank. bank has disbursed 10 lakhs till date. i am a salaried person. can i pay 5 lakhs rps to bank now. how can i save income tax on it? or should i pay later
I purchased a constructed house on loan in 2011 but not self occupied (Parents living there), whose i took tax benefit under section 24 and 80C and still taking benefit under the same.
Now i purchased a new constructed house which is self occupied and on loan.
Can i take advantage of tax rebate for both loan under section 24 and 80C??
I have booked a flat(Tot cost 28 lakhs) in Gr Noida in Oct 13 by taking loan of Rs 18 lakhs nad personal payment of Rs 10 Lakh. Till date paid to bank app Rs 5.5 lakh by way of EMI.
I want to sell it now due to financial compulsion.I should get atleat 20% more than 15.5 paid. Will the amount received in excess of 10 lakhs be construed as profit(I hv paid EMI of 5.5)or how wil it be treated for IT purposes?
Thanks
Hi,
I have taken a home loan in June 2014, my EMI has also been started from July 2014.
I would like to opt my loan’s Principle amount + EMI amount for Tax saving. But when I asked in my office and submitted the documents for tax saving(as I’m salaried person) they have rejected these documents. As my loan has not completed 2 yrs span.
Is there such law exist?
Could you please tell me whether I’m eligible for an tax benefit or not.
Thanks,
Rohit
Dear Sir,
I have buy a home and took home loan from sbi. But property is under construction but I have started paying EMI of hoam loan.and hope I will get possession on july-15. and I am also pay rent on rented home.can I get benefit of 80c ,24 B and HRA.
Pls suggest what document required from the bank to submitted in office for tax saving.
I along with my wife have applied for purchasing a flat and my wife is First applicant and myself 2nd applicant. Both of us are in service and salaried employees. We have proposed to apply JOINTLY for a home loan with IDBI
1) If the flat is registered jointly on completion can we both get benefit u/s 24 and 80C of IT Act and in what proportion?
2) If the flat is registered in name of first applicant ONLY can we both get the benefit if yes, in what proportion?
3) If both of us are getting benefits then (a) Who fixes the proportion of benefits? (b)Can the proportions be changed during the course of repayment subsequently?
Whether I am entitled for Tax rebate if FLAT is purchased and registered
jointly,
Spouse name is first (Wife is Housewife, No JOB),
and I am as a co-applicant working in Govt. Job.
Loan from SBI
Let me know the tax treatment of a person having interest income and interest expenditure. Can we show the net income? TDS is deducted by the person whi is giving interest. Shall we deduct the TDS of person whom we are paying interest
taxguru please guide me regarding following matter—-
one of my friend take home loan in joint name of his & his wife name.
they both are working & file separate income tax return every year,
payment of housing loan is fully paid by my friend not by his wife.
now my question is,
should my friend is entitle to take full duduction of sec 24(b) & 80C ? although my frient is joint owner of this house property.
I have taken a loan for flat in NCR in Feb 2012.
I will get possession of flat in Aug 2015.
I am paying EMI to bank since Feb 2012. ( interest + principal)
Will i get any tax benefit on interest paid till now ( some one told that you should get possession within 3 years of loan – which is not in this case)
Thanks in advance fore response.
Is 80C deduction available for the amount paid towards life insurance while getting a housing loan?
I have purchased a home on name of my mother (house-wife) and have taken loan on my name. Can i take Income Tax Deduction ?
Hi,
My Concern is somewhat different.
We have taken the property on my Mother’s name and she is home maker. My Father is retd. Army. I have taken the complete loan to construct the flat from LICHF. I am working for MNC in Bangalore. How can i avail the tax benefits..? Because my finance team wants that property and loan both should be on my name. Can i claim it by ITR..? That shouldn’t be the fraud with government. Please mail or comment me. Thanks.
Monu Kumar Choubey
Hello Sir,
Can I claim tax benefits with consideration of following: –
* I have borrowed home loan from HDFC bank, under spouse name and co-borrower as myself
* I have named Spouse name as 100 % home owner.
* My spouse is house wife and not earning, so I am paying whole EMI as ECS from my salary account.
* Currently I am availing HRA from above property.
* Also I am planning to transfer my loan from HDFC to SBI
I read your above artical, but is there any workaround to avail tax benefits for the interse I paid, becaouse in short time I am moving from this place and I know there is not chance to avail HRA of two houses.
Could you please guide is there any way to correct this mistake?
Thank you!!
I have propertity in my village pal, surat. now this properity under Surat Municipal Corporation. Propertity is very old. original Home document (dastavej) is my grand father name. My grand father was dead. so in city serve document his children name mention. (my father and two uncle). now we are palnning to construct new house on the same location where original house situated. so can i get loan for construction. (home loan) and can i get incaome tax benift as well. As i am not co-owner in property but my father is co-owener.
we have home loan on property 1 in joint name from bank 1 . Now we are taking Top up loan on this property to buy 2nd property . As we will rent out 2nd property , can we take benefit on interest payment done to Bank 1 on top up loan to purchase this property.
2. can we take home loan from any other bank on 2nd property to repay the top up loan of Bank 1 and take interest payment benefit.
Hi,
I have a housing loan, and I have rented it out. In this case what ever the interest I paid towards the housing loan before possession, can I avail tax benefit in 5 years, (20% each year) from date of possession.
Hi
I am co-borrower of the home loan registered in my mother’s name but whole of the EMI I pay from my account.I also live in the same home. So can I avail for the tax rebate against home loan.
Hi,
I have applied for Building Plan approval toward which I have paid fee to corporation. I expect to complete the construction after March 2015 only. Can I be able to claim rebate for this in FY 2014? If not how and when I can claim on this?
I have planned to buy a property in my Wife’s name, for housing loan she will be Applicant (House wife…no Income) & I will be co-applicant . Since I have planned to register the property in my wife’s name only, should this structure will allow me for Home loan tax exception ?..
Hi ,
I live in bangalore and have a house in bangalore in which I stay and have a home loan against it . I have another house in Noida which is rented.
Now to avail maximum tax benfit against the home loan interest , I would want to show my bangalore house as rented showing notional rent against the home loan interest while saying my noida house is self occupied .
Is this ok ?
Regards,Nitin
sir,
me and my wife (only as co applicant) together took a home loan from a bank. payment is also paid from my salary only. but the property is registered in my wife’s name. what deductions can i claim while filing the returns.
Hi,
We have taken a loan for under construction property in June2012. till now the property is under construction. Pls let me know whether we can calim the benefit of interest payment as deduction after receipt of completion certificate. Since this property has taken more than 3 years , how may years interest can be claimed and what would be the maximum limit of deduction allowed.
Thanks
Karthi
Me and my brother are constructing a house by taking loan from SBI. The bank account joint account and loan amount has been approved based on both’s eligibility. The land is 60:40 ratio between me and my brother.The EMI is not deducting from my salary account but I pay half of it to my bother, but the money which i give has no record. Can i get benefit of Income tax on principal and Interest paid.
my brother is into business ,so can he also get tax benefit.
Hi,
My self and my wife are co-owners of the property, I would like to know can my wife claim tax exemption on total principle amount paid and part Interest paid and I claim only part interest amount paid ?
Sir,
I want to take a home loan with my wife as a co borrower (not co owner) the land property owned by me only. Both have independent so can we both get income tax benefit?
Sir,
I and my wife have JOINTLY PURCHASED a plot and constructed a house by availing HOME LOAN from SBI JOINTLY during the year 2013.Total accrued interest for the F/Y 2014-15 is 3.9 lakhs. I and my wife are employed and she has availed a tax relief of Rs.1.95 lakhs. But my office is permiting to avail Rs.1.95 lakhs towards relief under u/s 24 of IT Act. Their version is that toal amount of Rs.2 lakhs can be claimed by both of us and since my wife has avialed an amount of Rs.1.95 lakhs, I will be eleigible for Rs.5,000/- ( 2 lakhs minus 1.95 lakhs availed by my wife). It is correct? Am I eligible for an amount of Rs.1.95 seperately towards interest on HBA? Would you pliease clarify this point at the earliest.
Sir,
I and my wife have purchased a plot JONTLY and availed a home loan from SBI JOINTLY during the year 2013. Interest accrued for F/y 2014-15 will be nearly 3.9 lakhs. I and my wife are employed and she has availed an amount of Rs.1,95,000 /- (half the amount of interest) as relief u/s 24 of IT act. But my office is not permitting me to avil the half amount (Rs.1.95 lakhs). Their version is that total amount of 2 lakhs can be availed by me and since my wife has availed 1.95 lakh, I wll be eligible for Rs 5,000/- only(2,00,000 minus amount availed by my wife). Is it correct? Am I eligible for an amount of Rs.1,95,000/- . Would you please clarify at the earliest.
Sir,
My income tax is deduct 51000 .but in form 16 my pan card number is not shown.how i claim my file my return..
Hi,
I have brought a ready possesion house in 2009 and was claiming both priniciple and Interest component accordingly.
This year (may 2014) I have done complete re-payment of that home loan and closed the loan.
I have also booked a new Under Construction flat (Possesion by June 2015) with the help of Home loan and EMI has been started (From June 2014) for same.
I am planning to Sell my Current house within this financial year.
Can you please answer below things to help me.
1. Can I claim “Registration and Stamp Duty” under 80C for the new flat I booked?
2. Can I claim Priniciple amount that I repay in this finacial year for New home loan? under 80C.
3. Can I claim Interest amount that I repay in this finacial year for New home loan? under 24(b) or any other (loan is above 50Lakhs)?
4. Can I claim Priniciple amount that I repay in this finacial year for closing old home loan? under 80C. (I am planning to sell it in this financial year)
5. Can I claim interest amount that I repay in this finacial year for closing old home loan? under 24(b) or any other.(I am planning to sell it in this financial year)
Any Other Tax Benifits or laibilities i should be aware for related to these transactions?
Myself and my wife have jointly invested on under construction property. We are co-owners and co-borrowers fro this property. Could you please tell if I can avail Tax exemption for the current fiscal year 2014-2015?? The property will get completed within 2 years.
We have a hsg loan. We own the property jointly and also the loan jointly..but my wife does not have any income apart form house rent. Can we both claim IT rebate on Principal and int and at what ration, if my interest paid is 50,000 and so also principal (for understanding)
Thanks
We have recently purchased a flat and will be moving in it by Oct’14. I wanted to know once we shift to our own flat, how we will be able to take tax benefit of HRA component given by our company as part of our salary ?
Thanks in advance !
Maximum of how many home loans can be submitted for IT exemption for single person, providing sum amount is not exceeded section 24 and 80C for principal and interest.
I am availing a home loan for my flat. I am availing both interest and principal benefits on the home loan. Now I want to buy another flat in August 2014 under home loan. My earlier flat will be put on sale and will be sold say by December 2014.
My question is can I claim Interest benefits on both the houses (for old flat till July 2014 and for new flat from August 2014 onwards.) I will not be claiming the interest benefits for my old house from August 2014 onwards.
Please help me with the same.