Income Tax Benefit on Home Loan FY 2019-20

Home Home Loan Income Tax Benefit on Home Loan FY 2019-20
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Avail Home Loan Tax Benefits under Section 24, Section 80C and 80EE. Housing Loan Tax benefits are available both on the repayment of principal and interest.

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

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Date :18/01/2020

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Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

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Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
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YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

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Date :18/01/2020

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Updated: 24-12-2019 07:09:52 AM
Home Loan Tax Benefit 2019-20
Section of Income Tax ActNature of Home Loan Tax DeductionMaximum Tax Deductible Amount
Section 24(b)InterestRs.2 lakh*
Section 80CPrincipal (including stamp duty and registration fee)Rs.1.5 lakh
Section 80EEAdditional interest (for first-time buyers)Rs.50,000

The Government of India offers tax benefits on home loans under the Income Tax Act of 1961. Home loan borrower can get benefit of tax deduction on principal repayment under section 80C, tax deduction on interest under section 24, and additional home loan interest tax benefit for first-time home buyers under section 80ee.

These home loan tax benefits help borrowers save substantial amount of money every year. And even more so after the Finance Minister Nirmala Sitaraman presented her maiden 2019 Union Budget on 5th July. Let’s look at the updated income tax benefits on home loan FY 2019-20 so that you can make the most of it.

Table of Contents :

Home Loan Tax Benefit Under Section 24(b) – Interest Paid

As per Section 24(b) of the Income Tax Act, you can avail tax benefit on home loan interest amount. Under this Section, you can claim tax deduction of up to Rs. 2 lakh on the interest payment of home loan for a self-occupied property. However, no maximum limit applies in case such property, which is not self-occupied, is rented or deemed to be rented. The taxpayer can avail deduction of whole amount paid under the section 24. But if the owner of the property due to occupation or employment does not occupy the house and is residing at another place, the maximum tax deduction allowed will be Rs. 2 lakh. A property should be purchased or constructed within a period of five years from the end of the financial year in which the loan was taken.

ParticularsSection 24(b) of the Income Tax Act for Home Loan
Tax Deduction allowed forInterest
Type of PropertyAny Real Estate Property
Basis of Tax DeductionAccrual basis
Quantum of Tax Deduction allowedSelf Occupied Property: Rs. 2,00,000
Non Self Occupied Property: No Limit
Purpose of LoanPurchase/ Construction/ Repair/ Renewal/ Reconstruction of a Residential House Property.
Eligibility for claiming Tax deductionPurchase/ Construction should be completed within 5 years
Restriction on Sale of PropertyNil

Compare Current Home Loan Rates From top Providers

Tax Deduction on the Home Loan Principal Repayment under Section 80C

Section 80C of the Income Tax Act provides tax benefit on home loan relating to the principal amount. Under this section, the amount paid as the repayment of home loan principal amount, is allowed as a deduction of up to Rs. 1.5 lakh.

Conditions for Tax Deduction on the Home Loan Principal Repayment as per section 80C FY 2019-20:
  • Such deduction is allowed only after the construction of the house is completed. Moreover, the completion certificate should be awarded for the purpose of obtaining such deduction. Such deduction shall not be allowed for a period under which the property was under construction.
  • The point to be noted under such deduction is that as per section 80(5) of the income tax act, you shall not transfer the property, for which deduction under section 80 is being obtained. Such property shall not be transferred for a minimum period of five years from the end of the year in which the possession of such building is obtained by you. If such property is sold within a time period of 5 years, all deductions which were allowed as home loan tax benefit in the erstwhile years shall be deemed to be the your income at the year in which you make the sale of such property.
ParticularsSection 80C of the Income Tax Act
Tax Deduction allowed forPrincipal
Type of propertyOnly residential house property
Basis of tax deductionPaid basis
Quantum of Tax Deduction allowedRs. 1,50,000
Purpose of loanPurchase / Construction of a new house property
Eligibility for claiming tax deductionNil
Restriction on sale of propertyDeduction claimed would be reversed if property is sold within 5 yrs.

Additional Tax Deduction for First-time Home Buyers under Section 80EE

Under this section, one can avail benefit of income tax on interest on home loan for those people who are buying a home for the first time. As per the provisions of this section, an additional deduction of Rs. 50,000 shall be allowed to people who make payment of interest on home loan. This incentive shall be separate and in excess of the deduction of Rs. 2 lakh allowed under Section 24 and the deduction of Rs. 1.5 lakh allowed under Section 80C.

Conditions for Tax Deduction on the first Home Loan Interest as per section 80EE FY 2019-20:
  • The taxpayer should not own any other property at the time of loan application. The property against which the loan is taken should be the first
  • The value of property should be Rs. 50 lakh or less
  • The home loan taken should be of Rs. 35 lakh or less
  • The amount of such loan should have been sanctioned to an individual between April 1, 2016 and March 31, 2017
ParticularsSection 80EE
Tax Deduction allowed forInterest
Type of propertyOnly residential house property
Basis of tax deductionPaid basis
Quantum of Tax Deduction allowedRs. 1,50,000
Purpose of loanPurchase / Construction of a new house property
Eligibility for claiming tax deductionNil
Restriction on sale of propertyNil

Additional Tax Deduction on PMAY – CLSS scheme: Section 80EEA

To make buying houses more affordable, the government has extended the interest deduction allowed for low-cost housing loans taken between the period April 1, 2019 and March 31, 2020. As per the new Section 80EEA, you can claim a deduction of up to Rs. 1.5 lakh on the interest paid on home loan.

To claim the benefit, the following conditions should be met:
  • The stamp duty value of residential house property should not be more than Rs. 45 lakh
  • You should not own any residential house property on the date of sanction of loan
  • You should not be eligible to claim deduction under Section 80EE of the Income Tax Act
Pradhan Mantri Awas Yojana (PMAY)

Section 80EE or Section 24 – Which One to Claim?

If you are able to satisfy the conditions of both Section 24 and Section 80EE of the Income Tax Act, be quick to claim the benefits. First, exhaust your deductible limit under section 24, which is Rs. 2 lakh. Then go on to claim the additional benefits under section 80EE. Therefore, this deduction is in addition to the Rs 2 lakh limit allowed under section 24.

Read Also: Can I Claim Both HRA and Home Loan Tax Benefits?

Tax Deductions on Joint Home Loans

Applying for home loan jointly not only enhances your home loan eligibility but also the tax benefits. Individuals taking home loan jointly can avail home loan tax benefits individually. This implies that if two individuals have applied for joint home loan, each can claim tax benefit of up to Rs. 1.5 lakh and Rs. 2 lakh on their home loan principal and interest, respectively. So the combined tax benefit that they enjoy is of total Rs. 7 lakh, provided they meet the related prerequisites. The same goes if the borrowers want to claim additional tax benefit under Section 80EE of the Income Tax Act.

Read Also: What No One Tells You About Joint Home Loan?

Tax Deductions on Second Home Loan

You can claim tax deductions on second home loan but only on the home loan interest paid. Currently, individuals can claim home loan tax benefit only for one property as self-occupied and make tax payments on the other based on notional rent. In the February 2019’s Interim Budget, a proposal has been put forward wherein an individual can claim a second home as self-occupied property. This aims to help borrowers save more in the form of taxes.

Check Also: Is it Possible to Claim Tax Benefit on Second Home Loan

How to Claim Home Loan Tax Benefit?

The process to claim tax benefits on a home loan is easy and simple.

  • Make sure the residential property is in your name. In case of a joint home loan, ensure to be the house’s co-owner.
  • Calculate the total amount you can claim as a tax deduction.
  • Hand over your employer the home loan interest certificate so that he can adjust the TDS.
  • On failing to follow this step, you need to file your IT returns.

Self-employed borrowers need not submit these documents. They must keep these handy to provide if a query arises in the future.

Best Home Loan Deals

Home Loan by Various LendersHome Loan Interest Rates (p.a.)
For WomenFor Others
SBI Home Loan8.15% – 9.50%8.20% – 9.55%
HDFC Home Loan8.25% – 9.75%8.40% – 9.80%
PNB Home Loan7.95% – 8.30%8.10% – 8.45%
Indian Bank8.20% – 8.50%8.25% – 8.55%
Canara Bank8.05% – 10.00%8.10% – 10.05%

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