A Home Loan is a financial product, which people avail of to buy a house. Home Loans allow borrowers to spread the cost over a longer period of time, making it more feasible. Borrowers who have availed of Home Loans can exempt themselves from considerable amounts of taxes and save funds. Let us learn how.
Tax Benefits Available on Home Loans
The tax benefits are available in India under the Income Tax Act and are intended to encourage homeownership. The two primary tax benefits available on Home Loans are:
1. Tax Benefits on Home Loan Interest
Taxpayers can deduct the interest paid on their Home Loan up to a maximum of Rs.20,00,000 for self-occupied properties and Rs.30,00,000 for rented properties.
2. Tax Benefits on Principal Repayment
Section 80C of the Income Tax Act allows taxpayers to claim a deduction for repayment of the principal amount of their Home Loan up to a maximum of Rs.1,50,000.
By claiming these tax breaks, homeowners can reduce their taxable income and lower their tax liability, making homeownership more feasible. However, it is important to note that tax laws and regulations are subject to change, so it is best to consult a tax expert for the most up-to-date information.
Income Tax Rebate on Home Loan
Borrowers who have obtained a Home Loan can claim Home Loan rebates that they are eligible for. A Home Loan enables prospective buyers to purchase their dream home without depleting their savings. On the repayment of a Home Loan, various income tax rebates on Home Loans are available.
Tax Deduction Available on the Interest Paid
Tax Deduction on interest paid is a tax exemption available to homeowners who have a Home Loan. The Income Tax Act allows taxpayers to deduct the interest paid on their Home Loan up to Rs.2,00,000 for self-occupied properties and Rs.3,00,000 for let-out properties. This means that the amount of interest paid on the Home Loan can be deducted from the taxpayer's taxable income.
For example, if a taxpayer has a taxable income of Rs.10,00,000 and pays interest on their Home Loan of Rs.1,50,000, their taxable income is reduced to Rs.8,50,000.
Tax Deduction Available on the Principal Amount
Tax Deduction on the principal amount is a tax exemption available to Indian homeowners who have taken out a Home Loan. Section 80C of the Income Tax Act allows taxpayers to claim a deduction for repayment of the principal amount of their Home Loan, up to a maximum of Rs.1,50,000. This means that the amount repaid toward the principal of the Home Loan can be deducted from the taxpayer's taxable income, lowering the taxpayer's tax liability.
For example, if a taxpayer has a taxable income of Rs.10,00,000 and repays Rs.1,00,000 towards the principal of their Home Loan, their taxable income is reduced to Rs.9,00,000.
Tax Deduction for First-Time Buyers
Tax rebates for first-time homebuyers are special tax breaks available to people who are purchasing their first home. Under Section 80EE of the Income Tax Act, first-time homebuyers in India can claim additional tax deductions on the interest paid on their Home Loan. This section allows for a maximum deduction of Rs.50,000 per fiscal year. This deduction, however, is only available for loans taken up to March 31, 2017.
To qualify for this deduction, the Home Loan must have been obtained from a financial institution and the property value cannot exceed Rs.50 Lakh. Furthermore, the loan amount cannot exceed Rs.35 Lakh, and the individual must not own any other residential property on the date the loan is sanctioned.
Principal Deductions - Home Loan Tax Benefits under Section 80C
The amount repaid toward the principal of the Home Loan can be deducted from the taxpayer's taxable income, thereby lowering their tax liability. The tax deduction for Home Loan principal repayment is available in addition to the tax deduction for Home Loan interest paid, up to a maximum of Rs.2,00,000 for self-occupied properties.
Tax Benefits under Section 80EE
In addition to the regular deduction under Section 24, taxpayers can claim a deduction on the interest paid on their Home Loan under Section 80EE, up to a maximum of Rs.50,000 per fiscal year. This exemption is available to first-time homebuyers who have obtained a loan from a financial institution and whose property value does not exceed Rs.50 Lakh. Furthermore, the loan amount cannot exceed Rs.35 Lakh, and the individual must not own any other residential property on the date the loan is sanctioned.
Home Loan Tax Benefits of Owning a Second Property
A second home can also provide the owner with tax benefits. If the second property is rented, the homeowner can deduct interest on the mortgage under Section 24 of the Income Tax Act. The maximum deduction available under this section per fiscal year is Rs.20,00,000 for self-occupied properties.
In addition to the interest paid, the homeowner can deduct the property's annual maintenance and repair expenses, municipal taxes, and insurance premiums under the same section. These deductions are subject to certain conditions and limitations, so it is best to consult a tax expert for the most up-to-date information.
It is important to note that owning a second property entails additional financial and tax obligations, such as filing a tax return and paying property-related taxes. Because tax laws and regulations are subject to change, it is best to conduct extensive research on the tax advantages of owning a second home.
Also Read: Tax Benefits on a Second Home Loan
How to Claim Tax Benefits on Home Loans?
To claim tax benefits on Home Loans, you must go through the following steps:
1. Keep all relevant documents, such as the Home Loan agreement, interest certificates, property papers, and receipts for any payments made on the Home Loan.
2. Check to see if you are eligible to claim tax benefits under the provisions of the Income Tax Act.
3. To claim the tax benefits, you must file your income tax returns and include details about your Home Loan.
4. To claim the deductions under sections 80C, 24 and 80EE, you must fill out the appropriate forms and provide all the necessary documentation.
5. Submit the forms and supporting documentation to the Income Tax Department with your tax returns.
6. Wait for your income tax returns to be assessed and your claims to be approved.
Also Read: How to File your ITR for Home Loan
How to Calculate Home Loan Tax Benefits Online?
There are several methods for calculating your Home Loan tax benefits online. Here are two approaches you should be aware of before filing your income tax returns. Follow these steps to calculate Home Loan tax benefits online:
Using an Online Tax Calculator
There are several online tax calculators that can assist you in calculating the Home Loan tax benefits. Simply enter the relevant information, such as the loan amount, interest rate, and loan tenor, and the calculator will estimate the tax benefits you are eligible for.
Using the Online Calculator Provided on the Income Tax Department Website
The Income Tax Department's website also includes a tax calculator that can be used to calculate the tax benefits of a Home Loan. You can enter the necessary information and calculate the deductions for which you qualify.
Remember that these online calculators only provide estimates and that the actual tax benefits may vary depending on the individual.
DISCLAIMER:
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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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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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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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
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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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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
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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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
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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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
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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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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cibil Cibil
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What is Credit Mix and How to Boost Your Credit Score?2023-03-27 | 7 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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Will a Loan Settlement Ruin My CIBIL Score?2023-03-21 | 4 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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cibil Cibil
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How Does Being A Loan Guarantor Affect Your Credit Score?2023-03-23 | 4 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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cibil Cibil
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How can I Remove Loan Inquiry from CIBIL Credit Report2024-01-22 | 5 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?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan2024-04-22 | 5 Min
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cibil Cibil
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Difference Between Credit Score and CIBIL Score2024-02-15 | 5 min
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cibil Cibil
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Loan Settlement And Its Effects On Your Credit Score2024-03-07 | 6 min
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tax Tax
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How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?2023-02-22 | 5 min
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home+loan Home Loan
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home+loan Home Loan
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Understanding Stamp Duty and Property Registration Charges2024-03-13 | 5 min
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home+loan Home Loan
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Should I Apply for a Pre-Approved Home Loan or an After Property Finalisation Loan?2024-03-15 | 5 min
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cibil Cibil
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Everything You Need to Know About the Ideal CIBIL Score for Business Loan2024-01-17 | 4 min
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cibil Cibil
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What is the Role of CIBIL Score in Getting a Home Loan?