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Tax benefits on joint home loans in india

tax benefits on joint home loans in india

So to maximize the interest deduction, house 1 should be put on rent and house 2 should be self occupied.
Tax Benefit on Home Loan Interest Amount (under section 24).
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Second Home, tax benefits on home loan for your second home which you have either rented out or lying vacant: Principal Amount, no Exemption.
Example, suppose a person has two houses with the below details.HRA and Home Loan (combined benefit) If you are living in a rented premise and taking tax deduction on HRA, even then you can claim home loan tax benefit for principal amount under section 80C and for interest amount under section.Interest Amount upto.House 1 is self occupied, in this case, the NAV of house 1 is zero as it is self occupied so the standard deduction is also not applicable.

The annual value of the houses has been arrived at already and shown below.
Deduction available only after the construction is complete and completion certificate (CC possession certificate has been received.
The total interest paid during the pre-construction period is allowed for tax deduction in five equal installments during five successive years from the year in which construction is completed and property possession is given to you.
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