{"id":157218,"date":"2023-11-25T09:32:25","date_gmt":"2023-11-25T09:32:25","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/"},"modified":"2023-11-25T09:32:25","modified_gmt":"2023-11-25T09:32:25","slug":"can-we-claim-hra-and-interest-on-housing-loan-together","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/","title":{"rendered":"Can we claim HRA and interest on housing loan together?"},"content":{"rendered":"<p>Can we claim HRA and interest on housing loan together?<\/p>\n<p>Yes, it is possible to claim both House Rent Allowance (HRA) and the interest on a housing loan simultaneously, provided certain conditions are met. These benefits can greatly reduce your tax liability and increase your disposable income. Let&#8217;s delve into the details and explore some related frequently asked questions.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#1_What_is_HRA\" title=\"1. What is HRA?\">1. What is HRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#2_Who_is_eligible_to_claim_HRA\" title=\"2. Who is eligible to claim HRA?\">2. Who is eligible to claim HRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#3_Are_there_any_specific_conditions_to_claim_HRA_benefits\" title=\"3. Are there any specific conditions to claim HRA benefits?\">3. Are there any specific conditions to claim HRA benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#4_What_are_the_conditions_to_claim_tax_benefits_on_a_housing_loan\" title=\"4. What are the conditions to claim tax benefits on a housing loan?\">4. What are the conditions to claim tax benefits on a housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#5_How_much_HRA_can_one_claim\" title=\"5. How much HRA can one claim?\">5. How much HRA can one claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#6_How_much_tax_benefit_is_available_on_home_loan_interest\" title=\"6. How much tax benefit is available on home loan interest?\">6. How much tax benefit is available on home loan interest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#7_Can_a_person_claiming_HRA_still_avail_tax_benefits_on_a_housing_loan\" title=\"7. Can a person claiming HRA still avail tax benefits on a housing loan?\">7. Can a person claiming HRA still avail tax benefits on a housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#8_Can_the_principal_component_of_a_housing_loan_be_claimed_for_tax_benefits\" title=\"8. Can the principal component of a housing loan be claimed for tax benefits?\">8. Can the principal component of a housing loan be claimed for tax benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#9_Can_one_claim_HRA_for_a_rented_house_if_they_own_another_house_in_a_different_city\" title=\"9. Can one claim HRA for a rented house if they own another house in a different city?\">9. Can one claim HRA for a rented house if they own another house in a different city?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#10_Are_there_any_additional_conditions_to_claim_HRA_and_housing_loan_benefits_together\" title=\"10. Are there any additional conditions to claim HRA and housing loan benefits together?\">10. Are there any additional conditions to claim HRA and housing loan benefits together?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#11_Do_I_need_to_submit_any_documents_to_claim_these_benefits\" title=\"11. Do I need to submit any documents to claim these benefits?\">11. Do I need to submit any documents to claim these benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#12_Can_I_claim_these_benefits_for_a_house_that_is_under_construction\" title=\"12. Can I claim these benefits for a house that is under construction?\">12. Can I claim these benefits for a house that is under construction?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_HRA\"><\/span>1. What is HRA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHRA or House Rent Allowance is a component of the salary given by employers to employees to meet their accommodation expenses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Who_is_eligible_to_claim_HRA\"><\/span>2. Who is eligible to claim HRA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAny salaried individual who lives in a rented house and receives HRA as a part of their salary can claim HRA benefits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_there_any_specific_conditions_to_claim_HRA_benefits\"><\/span>3. Are there any specific conditions to claim HRA benefits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there are certain conditions that you need to fulfill to claim HRA benefits, such as actually paying rent, having a rent agreement, and providing the landlord&#8217;s PAN details if the rent exceeds a certain threshold.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_are_the_conditions_to_claim_tax_benefits_on_a_housing_loan\"><\/span>4. What are the conditions to claim tax benefits on a housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo claim tax benefits on a housing loan, you must be the owner or co-owner of the property. Additionally, the property must not be self-occupied and should be let out\/considered deemed to be let.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_much_HRA_can_one_claim\"><\/span>5. How much HRA can one claim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe amount of HRA that can be claimed varies depending on factors like the employee&#8217;s salary, actual rent paid, and the city in which they reside. It is the lowest among the following: actual HRA received, 50% of the salary (for metros), or 40% of the salary (for non-metros).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_much_tax_benefit_is_available_on_home_loan_interest\"><\/span>6. How much tax benefit is available on home loan interest?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUnder section 24(b) of the Income Tax Act, taxpayers can claim a deduction of up to \u20b92 lakhs per year on the interest paid on a housing loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_a_person_claiming_HRA_still_avail_tax_benefits_on_a_housing_loan\"><\/span>7. Can a person claiming HRA still avail tax benefits on a housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, an individual can claim both HRA and tax benefits on the interest paid on a housing loan simultaneously.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_the_principal_component_of_a_housing_loan_be_claimed_for_tax_benefits\"><\/span>8. Can the principal component of a housing loan be claimed for tax benefits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the principal component of a housing loan can be claimed under section 80C of the Income Tax Act, subject to a maximum limit of \u20b91.5 lakhs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_one_claim_HRA_for_a_rented_house_if_they_own_another_house_in_a_different_city\"><\/span>9. Can one claim HRA for a rented house if they own another house in a different city?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, an individual can claim HRA for a rented house in one city, even if they own another house in a different city or are paying EMIs on a home loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Are_there_any_additional_conditions_to_claim_HRA_and_housing_loan_benefits_together\"><\/span>10. Are there any additional conditions to claim HRA and housing loan benefits together?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, as long as you meet the individual conditions for both HRA and housing loan tax benefits, you can claim them simultaneously.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Do_I_need_to_submit_any_documents_to_claim_these_benefits\"><\/span>11. Do I need to submit any documents to claim these benefits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you need to provide rent receipts, rent agreement, PAN details of the landlord (if the rent exceeds a certain threshold), and loan statements while filing your tax returns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_claim_these_benefits_for_a_house_that_is_under_construction\"><\/span>12. Can I claim these benefits for a house that is under construction?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can claim the housing loan interest deduction only after the construction is completed and you acquire possession of the property. HRA benefits can be claimed for a rented house during the construction period.<\/p>\n<p>In conclusion, it is indeed possible to claim both HRA and interest on a housing loan together. By maximizing these tax benefits, individuals can significantly reduce their tax liability and make the most of their disposable income. It is important to familiarize yourself with the eligibility criteria and keep the necessary documents in order to avail of these benefits while filing your tax returns.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Can we claim HRA and interest on housing loan together? Yes, it is possible to claim both House Rent Allowance (HRA) and the interest on a housing loan simultaneously, provided certain conditions are met. These benefits can greatly reduce your tax liability and increase your disposable income. Let&#8217;s delve into the details and explore some &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can we claim HRA and interest on housing loan together?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#more-157218\">Read more<span class=\"screen-reader-text\">Can we claim HRA and interest on housing loan together?<\/span><\/a><\/p>\n","protected":false},"author":38,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-157218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can we claim HRA and interest on housing loan together?<\/title>\n<meta name=\"description\" content=\"Can we claim HRA and interest on housing loan together? Yes, it is possible to claim both House Rent Allowance (HRA) and the interest on a housing loan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can we claim HRA and interest on housing loan together?\" \/>\n<meta property=\"og:description\" content=\"Can we claim HRA and interest on housing loan together? Yes, it is possible to claim both House Rent Allowance (HRA) and the interest on a housing loan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/synchronyfinancial\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-25T09:32:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"164\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Iris Webb\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@synchrony\" \/>\n<meta name=\"twitter:site\" content=\"@synchrony\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Iris Webb\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\"},\"author\":{\"name\":\"Iris Webb\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/f1ba44861a7b7b91401a31d1ad9e99fe\"},\"headline\":\"Can we claim HRA and interest on housing loan together?\",\"datePublished\":\"2023-11-25T09:32:25+00:00\",\"dateModified\":\"2023-11-25T09:32:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\"},\"wordCount\":607,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"articleSection\":[\"Learn\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/can-we-claim-hra-and-interest-on-housing-loan-together\/\",\"name\":\"Can we claim HRA and interest on housing loan together?\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\"},\"datePublished\":\"2023-11-25T09:32:25+00:00\",\"dateModified\":\"2023-11-25T09:32:25+00:00\",\"description\":\"Can we claim HRA and interest on housing loan together? 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