Home Loan

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Tax Benefit on Joint Home Loan for Co-owner

A co-owner also a co-applicant of joint home loan like the borrower can enjoy home loan co applicant tax benefit and claim a maximum amount of Rs. 2 lakh as a tax return on home loan interest rates deduction.

Each co-owner qualifying joint home loan eligibility can become a co-applicant for the home loan and claim a total amount of Rs. 1.5 Lakh on principal repayment. For the registration and stamp duty the co-owners can split the payment and claim returns of 80C deductions. However this should be claimed within a year of payment to enjoy joint home loan tax exemption.

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