As a mandatory responsibility of every Indian citizen, paying income tax grants us considerable tax deductions on employment benefits, standard allowances, Home Loans, other credit instruments and financial investments that effectively lower our tax liabilities. For example, a house loan offers significant benefits not just in terms of tax relief but also in availing housing finance at a reasonable cost of credit, provided you obtain competitive Home Loan interest rates. With the right Home Loan eligibility, you can expect favourable terms which will further fetch you optimal tax benefits on a Home Loan.
7 Ways to Maximise Tax Deductions on Home Loan Under Various Sections
The maximum income tax benefit of Home Loans that can be claimed as deductions in India for 2024 are:
Section | Maximum Amount | Applicable On |
---|---|---|
Section 24 | Rs.2 lakh | Interest repayment |
Section 80 C | Rs.1.5 lakh | Principal repayment |
Section 80 EEA | Rs.1.5 lakh | Interest repayment |
Borrowers can enjoy significant deductions on both the interest and principal components, under different sections of the Income Tax Act, as enunciated below:
1.Section 24: Income Tax Benefit on Interest
Section 24 of the ITA makes provisions for tax benefits on loan interest repayment. One can claim deductions on Income from House Property on the interest paid if the loan is secured for the purchase, construction, repair, renewal or reconstruction of a property.
The maximum tax deduction allowed under Section 24 for a self-occupied property is limited to Rs.2 lakh. House owners who may not reside in the property, due to employment or business elsewhere, can claim this tax relief as well.
In such cases, the loan interest is deductible on an accrual basis. One can claim these concessions annually even if no payment is made during the year, unlike Section 80 C which permits exemptions only on payment basis. However, if the property is not acquired or constructed within five years of securing the loan, the interest benefit drops from Rs.2 lakh to just Rs.30,000.
2.Section 80 EEA: Interest Benefit for First-Time Home Buyers
First-time homeowners can enjoy additional interest deductions under Section 80 EEA, which is over and above the exemptions permitted under Sections 24 and 80 C of Rs.2 lakh and Rs.1.5 lakh respectively.
Section 80 EEA rebates apply only under the following circumstances:
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If the stamp duty value of the property that you buy is less than Rs.45 lakh
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The loan should be availed between 1st April 2019 and 31st March 2022
3.Section 80 C: Tax Benefit on Home Loan Principal Amount
The maximum tax deduction allowed under Section 80 C for principal repayment of your home loan is Rs.1.5 lakh. This is the net exemption and also includes rebates incurred through PPF accounts, tax saving funds, equity mutual funds, National Savings Certificate, Senior Citizens Saving Scheme, etc. The benefits are available on payment basis regardless of the year in which the payment was affected. Also, you are entitled to concessions on stamp duty and registration fees even if you have not secured a housing loan.
Read Also: How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?
4.Exemptions Allowed Post Construction
Tax deductions under Section 80 C are applicable only after completion of property construction and issuance of a Completion Certificate. One cannot claim the benefits while the house is still under construction. In the event that you do buy a house during the early construction stage to save up on costs, it must be noted that GST is levied on under-construction properties but not on the ones that are already complete.
5.Reversed Benefits If Property Sold Within 5 Years
Section 80 C states that if you sell a property on which tax concessions have been availed, within five years of taking possession, then the home loan tax benefits stand reversed. The aggregate amount claimed over the previous years will be considered as your income in the year of sale and, as such, liable to be taxed.
6.Deductions for Non-Self Occupied Property
If you own a property where you don’t reside, the interest paid qualifies for deductions on Income from house property against the rental earnings. It is also possible that the interest paid is more than the rent earned which will then be marked as a loss from house property. As per ITA provisions, this loss can be offset through income from any other head in the same fiscal year. The maximum amount that can be offset in this manner is Rs.2 lakh and any remaining sum may be carried ahead for the next 8 years.
The maximum relief on loan interest for a self-occupied property is Rs.2 lakh and anything beyond that will lapse and cannot be considered for exemption. Contrarily, for a non-self-occupied property, while the loss under the head House Property should not exceed Rs.2 lakh, one can ensure benefits on a bigger sum, if necessary.
7.Income Tax Treatment of Pre-Construction Interest
Section 24 stipulates that tax deductions on interest payments are not allowed before completion of house construction. Nevertheless, it may so happen that individuals might have purchased a property during the pre-construction phase with the borrowed funds and are also repaying the EMIs.
In such a scenario, if the loan is taken for the purpose of repair, renewal or reconstruction of property, no tax relief can be claimed before completion. Further, if the loan is obtained for property purchase or construction, the interest paid during the construction stage should be aggregated and claimed as tax relief in five equal instalments for five successive financial years, beginning from the year of building completion.
Several other factors must also be considered such as:
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You cannot claim tax rebates on interest paid for any outstanding amount.
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Commission paid for a loan cannot be considered for benefits.
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If you pay municipal taxes and interest on a Home Loan but don’t earn any income from the property, it will be considered as losses under Income from House Property.
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Only the persons who have availed Home Loans for the acquisition/construction of a property are entitled to tax relief, and not the successor of the property.
Read Also: Top 5 Ways to Avail of Tax Benefits on Home Loans
Tax Benefits on a Home Loan Under Sections 24 and 80C
Tabulated below is a comparison of the tax benefits on a Home Loan under Sections 24 and 80 C for easy reference:
Particulars | Section 24 | Section 80 C |
---|---|---|
Deduction allowed on | Interest paid | Principal repayment |
Property type | Any real estate property | Residential house |
Tax exemption basis | Accrual basis | Paid basis |
Quantum of benefit | Self-occupied house: Rs.2 lakh; Non self-occupied property: no limit | Rs.1.5 lakh |
Purpose of availing loan | Purchase, construction, repair, renewal or reconstruction of residential house | Purchase or construction of a new house property |
Eligibility to claim tax relief | Acquisition or construction should be completed within 5 years | Nil |
Restriction on selling property | Nil | Reversal of tax rebates claimed if the property is sold within 5 years of receiving possession |
Additional Pointers for Claiming Tax Benefits on a Home Loan
-
The tax deductions mentioned above are based on a per person basis and not on per property basis. Thus, in case you buy a house jointly and also avail of a housing loan, both borrowers are entitled to claim the applicable exemptions separately. When combined, this will double your tax benefits. Access an online Home Loan EMI Calculator to assess the loan liability before you service it.
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If you reside in a rented apartment and obtain tax benefits on House Rent Allowance (HRA), you can still claim concessions on your house loan under Sections 24, 80 EEA and 80 C.
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There are two income tax regimes under which taxpayers can file their returns. In case you opt for the new slab rates in accordance with the 2020 budget, you cannot avail of these deductions.
Summing Up
House loans offer immense tax benefits to borroweRs.One can claim these concessions at the time of filing income tax returns for the current fiscal year. But first and foremost, individuals who wish to claim the exemptions must furnish a Home Loan certificate provided by their lender, clearly indicating the amount payable and paid towards the loan interest and principal. Once you claim the applicable tax benefits on your Home Loan, the balance income will be taxed as per the existing income tax slab rates. To make this task even easier, use an income tax calculator to facilitate a quicker and more efficient tax planning process.
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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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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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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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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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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home+loan Home Loan
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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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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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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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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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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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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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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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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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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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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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?