For many people, a home is a ‘once-in-a-lifetime’ investment – and so, it is only natural that one would want to make it big. Opting for a joint Home Loan is not only beneficial in acquiring a larger house but also in reducing the overall cost owing to tax benefits. By applying for a Housing Loan jointly, one can avail of the tax benefits on joint Home Loans provided both the co-applicants are co-owners of the property and are contributing individually to the loan repayment. Having said that one might wonder how to claim these tax exemptions and how it works. Fret not – read on to know about the various types of tax benefits on Home Loan and the conditions to claim those.
What are Tax Benefits
Tax benefits are a great way to reduce tax liability. These benefits range from tax credits and deductions to exemptions and exclusions. Tax benefits on a joint Home Loan can be availed by all co-owners. Those who have a joint home loan are eligible for tax benefits under the Income Tax Act.
Types of Tax Benefits on Joint Home Loans
Joint Home Loan tax benefits are primarily of two types. These are as follows –
1. Home Loan Tax Benefits for a Self-occupied Property
In the case of a self-occupied property, both the co-owners, who are also co-applicants of the joint Home Loan can claim a tax deduction of up to INR 2 Lakh annually on the interest paid towards the Home Loan under Section 24b as part of their Income Tax Returns.
2. Home Loan Tax Benefits for a Rented Property
Homeowners are eligible for a deduction of up to INR 2 Lakh on the Home Loan interest under Section 80C of the Income Tax Act provided the owner or one of the family members resides in the property. This also applies in cases of vacant houses. In case the property is already rented out, the entire Home Loan interest can be deducted from taxes. Tax exemptions of up to INR 1.5 Lakh are also available on the repayment of the principal loan amount.
When talking about tax benefits on Home Loan, planning the whole tax rebate in a way that benefits both the owners is crucial. Professional assistance from a reputed financial advisor in this matter is highly recommended.
Conditions for Claiming Tax Benefits on Joint Home Loans
Listed below are some of the conditions that all individuals holding a joint Home Loan must fulfil to claim tax benefits on Home Loan –
1. Both Must be Co-owners of the Property
Only those individuals who are co-owners of the property are entitled to receive tax benefits on joint Home Loans. In certain cases, where the loan has been taken by multiple borrowers, only those who are registered owners of the concerned property can claim the tax benefits on joint Home Loans.
2. Both Must be Co-borrowers of the Housing loan
Co-owners of the property against which the joint Home Loan has been taken must also be co-borrowers to be eligible for tax benefits. Any borrower who is not paying any amount towards the Home Loan EMI shall not be able to claim tax benefits on joint Home Loans.
3. Construction of the Property Must be Complete
The property against which the joint Home Loan has been taken must have been fully constructed for the individuals to claim tax benefits. These benefits can be availed of from the very beginning of the financial year in which the construction has been completed. For properties that are still under construction, such tax benefits shall not be applicable. Furthermore, funds spent on the property even before the completion of its construction can be claimed in five EMI cycles starting from the year of completion of the property construction.
Things You Should Know About Tax Benefits Against Joint Home Loans
Here are some of the important things one should keep in mind when claiming tax benefits on Home Loans –
- Tax benefits on joint Home Loans are divided among the co-applicants so both can enjoy the tax deductions and exemptions individually.
- The proportion of the division of tax exemptions is determined on the basis of the ratio of the ownership of the Home Loan taken jointly.
- Each applicant can claim the maximum tax rebate through a Home Loan worth INR 1.5 Lakh and up to INR 2 Lakhs for the principal amount of repayment.
- Most importantly, the Home Loan must be taken in the name of both the individuals i.e. the co-applicant and co-borrower.
- Each individual’s entitlement in the joint ownership must be clearly mentioned in percentage.
Read Also: 8 Different Ways to Avail Tax Benefits on Home Loans
How to Use a Joint Home Loan Tax Benefit Calculator
One of the easiest and fastest ways to get an estimate of the joint Home Loan tax benefits is to use an online calculator. A joint Home Loan tax benefit calculator is a custom-made tool that uses some basic details to provide an estimate of the following –
- Total Income Tax Benefit
- Income Tax Amount Payable Before Home Loan
- Income Tax Amount Payable After Home Loan
The home loan tax benefits calculator FY 2024-25 works based on the following details provided –
- Financial year
- Category of the applicant (Male/Female/Senior Citizen/Super Senior Citizen)
- Annual income scaling up to INR 5 Crores
- Interest paid on the home loan
- Principal amount repaid on the home loan
Just as you enter the above details and hit the ‘Apply’ button, the tax benefits on joint Home Loans shall be displayed. The calculator can thus be used to assess one’s net liability and tax savings by taking the gross annual income, housing loan payments, and total claimable deductions.
Reasons to Use a Home Loan Tax Benefits Calculator
Here are the top reasons to use a joint Home Loan tax benefit calculator –
- Ease of accessibility
- Faster calculations on-the-go
- Accurate estimates with zero errors
- Guarantees safety and security by keeping the applicants’ details private
Who Can Apply for Joint Home Loan Tax Benefits
Tax benefits on joint Home Loans can only be availed of by co-applicants, who might be a family member or a close relative, such as a parent, sibling, spouse, son, or unmarried daughter. It is mandatory for the co-applicant to provide a PAN Card or Form 60, KYC documents, income proof and documents related to the joint Home Loan taken when filing a claim for tax benefits Home Loan.
- KYC Documents – Aadhaar card/PAN card/Driving license/Passport/Voter’s ID etc.
- Income Proof – last 3 years’ salary lip and 6 months’ bank account statement (for salaried individuals) and last 5 years’ business revenues and 6 months’ bank account statement (for self-employed individuals)
- Statement of Income Tax Returns
Note: Additional documents might be required during loan processing.
Conclusion
Applying for a home loan jointly not only brings down the financial burden but also exposes the borrowers to a host of tax benefits and exemptions. As discussed, tax benefits on joint home loans can be claimed under Section 24b and Section 80C of the Income Tax Act whether the property in question is self-occupied or rented out provided the conditions stated above are met. However, in case one is unsure of the tax deduction amount, a joint home loan tax benefit calculator on the go can always prove helpful. Nevertheless, consider discussing the nitty-gritty of the claiming procedure with a reputable and experienced financial advisor before diving in.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
[N][T][T][N][T]
Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
[N][T][T][N][T]
What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
[N][T][T][N][T]
Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
[N][T][T][N][T]
Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
[N][T][T][N][T]
Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
[N][T][T][N][T]
How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
[N][T][T][N][T]
Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
[N][T][T][N][T]
Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
[N][T][T][N][T]
Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
[N][T][T][N][T]
Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
[N][T][T][N][T]
Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
[N][T][T][N][T]
Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
[N][T][T][N][T]
What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
[N][T][T][N][T]
ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
[N][T][T][N][T]
Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
[N][T][T][N][T]
What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
[N][T][T][N][T]
What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?