{"id":118150,"date":"2023-09-15T08:53:27","date_gmt":"2023-09-15T03:23:27","guid":{"rendered":"https:\/\/legalwindow.in\/?p=118150"},"modified":"2023-09-20T15:14:41","modified_gmt":"2023-09-20T09:44:41","slug":"hra-and-home-loan-tax-benefits","status":"publish","type":"post","link":"https:\/\/www.legalwindow.in\/blog\/hra-and-home-loan-tax-benefits\/","title":{"rendered":"How to Claim Both HRA and Home Loan Tax Benefits?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-118155 size-full\" title=\"How to Claim Both HRA and Home Loan Tax Benefits?\" src=\"https:\/\/legalwindow.in\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1.png\" alt=\"How to Claim Both HRA and Home Loan Tax Benefits?\" width=\"1200\" height=\"630\" srcset=\"https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1.png 1200w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1-600x315.png 600w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1-300x158.png 300w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1-1024x538.png 1024w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/How-to-Claim-Both-HRA-and-Home-Loan-Tax-Benefits-1-768x403.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Smart taxpayers file and pay taxes on time and know various ways to save money on taxes. The Indian government offers several tax exemption and deduction policies to help people save taxes. However, only a few people know about it. For example, many people claim income tax <\/span><b>deductions for home loan interest<\/b><span style=\"font-weight: 400;\"> payments or <\/span><span style=\"font-weight: 400;\">House Rent Allowance<\/span><span style=\"font-weight: 400;\"> (HRA), but they don&#8217;t know that they can claim both if certain conditions are met and determined. The article goes through the areas on <\/span><b>how to claim HRA and home loan <\/b><span style=\"font-weight: 400;\">tax<\/span> <span style=\"font-weight: 400;\">benefits.<\/span><\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #555;\"><b>Table of Contents:<\/b><\/p>\n<ul>\n<li><a href=\"#can\"><span style=\"font-weight: 400;\">Can a Taxpayer Claim both HRA and Home Loan Benefits?<\/span><\/a><\/li>\n<li><a href=\"#of\"><span style=\"font-weight: 400;\">Benefits of HRA and Home Loan Exemption<\/span><\/a><\/li>\n<li><a href=\"#for\"><span style=\"font-weight: 400;\">Tax Break for Home Loan Interest Payments<\/span><\/a><\/li>\n<li><a href=\"#to\"><span style=\"font-weight: 400;\">How to Claim Both HRA and Home Loans?<\/span><\/a><\/li>\n<li><a href=\"#in\"><span style=\"font-weight: 400;\">Things To Keep in Mind<\/span><\/a><\/li>\n<li><a href=\"#end\"><span style=\"font-weight: 400;\">End Note<\/span><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"can\"><b>Can a Taxpayer Claim both HRA and Home Loan Tax Benefits?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Among tax-free options, House Rent Allowance (HRA) is one of the main ways to reduce tax liability. On the other hand, home loans can also benefit from tax exemptions. But is it possible to avail of HRA benefits and tax <\/span><b>deduction benefits on home loans <\/b><span style=\"font-weight: 400;\">at the same time and <\/span><b>how to claim HRA and <\/b><b>home loan <\/b><span style=\"font-weight: 400;\">tax benefits<\/span><span style=\"font-weight: 400;\">? Technically it is possible, but you have to pay attention to the procedure followed to claim that tax benefit.<\/span><\/p>\n<h2 id=\"of\"><b>Benefits of HRA and Home Loan Exemption<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">HRA will be offered at the lowest of the following provisions under <\/span><a href=\"https:\/\/incometaxindia.gov.in\/Rules\/Income-Tax%20Rules\/103120000000006868.htm\"><span style=\"font-weight: 400;\">Section 10 (13A)<\/span><\/a><span style=\"font-weight: 400;\"> of the Income Tax Act 1961:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The employer permits HRA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employees who live in the metro area will receive 50% of their basic wage; otherwise, they will receive 40% of their basic salary.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8216;Less&#8217; actual rent paid 10% of base salary (plus DA and eligible commission).<\/span><\/li>\n<\/ul>\n<h2 id=\"for\"><b>Tax Break for Home Loan Interest Payments<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The EMI for a home loan includes both principal and interest payments. Taxpayers can claim a deduction of up to 2 lakhs on the interest component in a year under Section 24(B) of the <\/span><span style=\"font-weight: 400;\">Income Tax Act 1961<\/span><span style=\"font-weight: 400;\">. A home loan interest rate calculator will assist you in calculating your interest costs and claiming any appropriate deductions.<\/span><\/p>\n<h2 id=\"to\"><b>How to Claim Both HRA and Home Loans?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Simply put, people who own a home and claim a tax <\/span><b>deduction for home loan interest <\/b><span style=\"font-weight: 400;\">payments cannot claim an HRA exemption. However, if a homeowner pays a Home Loan and receives HRA as part of their salary, they can receive both benefits in the following scenarios which mention <\/span><b>how to claim both HRA and home loan <\/b><span style=\"font-weight: 400;\">tax benefits:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-118153\" src=\"https:\/\/legalwindow.in\/wp-content\/uploads\/Screenshot-2023-09-16-084133.png\" alt=\"How to claim both hra &amp; home loan \" width=\"960\" height=\"503\" srcset=\"https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Screenshot-2023-09-16-084133.png 960w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Screenshot-2023-09-16-084133-600x314.png 600w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Screenshot-2023-09-16-084133-300x157.png 300w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Screenshot-2023-09-16-084133-768x402.png 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/p>\n<ul>\n<li aria-level=\"1\"><b>Having a House but Not Living in It: <\/b>If you have a loan for a residential property but live in another residence for which you pay rent, you can claim available tax benefits for both the HRA and the residence Loan. The stipulation is that both rented and owned property be located in different cities.<br \/>\nYou must also provide a cause for not residing in your own home, which can be a job location that is different from your home location, a long distance from home to office, a transfer from your home location to another city, or any other justifiable reason.<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Under Construction New Home and Living in a Rented Home: <\/b>This is one of the most prevalent circumstances, since you may have taken out a loan for a residential project that is still under construction, so you live in a leased property until your own home is finished. In such a circumstance, the advantage of both <b>Home Loan tax deductions can<\/b> be claimed.<br \/>\nThe limitation is that a claim may only be filed for interest repayment, and you can collect such deductions in 5 equal payments over the next 5 years after completion. In such a circumstance, you are not permitted to claim a deduction for principal repayment. HRA may be claimed till completion by your city and wage breakdown as described above.<\/li>\n<li aria-level=\"1\"><b>Renting Owned Property While Living in A Rented House: <\/b>In this instance, you can claim a tax <b>deduction for both the home loan<\/b> and the HRA. There could be various reasons for renting out your owned property, including the need for a larger home, relocating your office to a more distant area from your home, or a similar shift in preferences. You will be expected to provide rental revenue from rented-out property, which will be taxable at the applicable rate. As your limit specifies, you can <b>claim HRA<\/b>.<\/li>\n<\/ul>\n<h2 id=\"in\"><b>Things To Keep in Mind<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Whatever your position may be, given there is scrutiny by the\u00a0Income Tax department, you need to have valid reasons to support your filings. You need to make sure that when the Income Tax department sends you a notice to explain the reason for not occupying your own home and claiming the HRA, you should be able to prove your position with good reason. If you are unable to meet their concerns, you may be issued notifications.<\/span><\/p>\n<p><a href=\"https:\/\/legalwindow.in\/income-tax-return-filing\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-113133\" src=\"https:\/\/legalwindow.in\/wp-content\/uploads\/Get-your-IT-Returns-Filed-by-Expert.png\" alt=\"\" width=\"1000\" height=\"200\" srcset=\"https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Get-your-IT-Returns-Filed-by-Expert.png 1000w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Get-your-IT-Returns-Filed-by-Expert-600x120.png 600w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Get-your-IT-Returns-Filed-by-Expert-300x60.png 300w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Get-your-IT-Returns-Filed-by-Expert-768x154.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<h2 id=\"end\"><b>End Note<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A salaried person who receives HRA as part of their income and pays EMIs on their home loan can take advantage of both HRA exemption and home loan interest or principal repayment deduction. However, to obtain the benefits, they must meet the conditions outlined in this article. If the taxpayer&#8217;s case is eventually picked up for investigation by an income tax officer, they should be prepared to verify their deductions if questioned.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In case of any query regarding <\/span><b>how to claim HRA and home loan tax benefits<\/b><span style=\"font-weight: 400;\">, feel free to connect with our legal experts at\u00a0<\/span><a href=\"https:\/\/legalwindow.in\/\"><span style=\"font-weight: 400;\">Legal Window<\/span><\/a><span style=\"font-weight: 400;\">\u00a0at\u00a0<\/span><b>72407-51000.<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Smart taxpayers file and pay taxes on time and know various ways to save money on taxes. The Indian government offers several tax exemption and deduction policies to&hellip;<\/p>\n","protected":false},"author":4,"featured_media":118156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-118150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-miscellaneous"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to claim both HRA &amp; Home Loan Tax Benefits &#187; Legal Window<\/title>\n<meta name=\"description\" content=\"This article briefly explains that How to claim both HRA &amp; Home Loan Tax Benefits, Can a Taxpayer Claim both HRA and Home Loan Benefits?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalwindow.in\/blog\/hra-and-home-loan-tax-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to claim both HRA &amp; 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