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Home Loan Statement

Home Loan Provisional Certificate

Last Updated 24th Jan 2022

  • A home loan statement is the summary of the amount paid for a home loan in a financial year.
  • It contains information like borrowed loan amount, amount paid, and outstanding loan amount and home loan EMIs to be paid by the borrower.
  • Banks also issue home loan statements at the beginning of the financial year, which is known as a home loan provisional certificate.
  • Housing loan certificates and provisional certificates can be obtained online and offline.
  • A house loan statement is required to claim tax deductions.
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Type MINI <space> <account number> to +91-9717000002 or 5676782
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What is a Home Loan Statement?

A home loan statement is a summary of a home loan account provided by the lender. It contains details about the amount of interest and the principal amount of home loan to be paid for the given financial year.

A home loan statement has the following components:

Statement Period: The statement period of a home mortgage statement provides information about the duration of a home loan for which the transactions are shown in statements.

Transaction Activity: It displays information about any fees or penalties if any, during the tenure of the loan.

Due Amount: It specifies the outstanding amount on the home loan.

Unpaid Principal Balance: The outstanding part of the home loan amount is also mentioned on the home loan statement.

What is a Home Loan Provisional Certificate?

Banks and financial institutions provide a home loan provisional certificate, which is issued at the beginning of the fiscal year, indicating the amount payable towards the home loan for that year.

How to get Home Loan Provisional Interest Certificate Online?

A housing loan statement or a provisional interest certificate for a home loan can be obtained easily online.

  • Visit the official website of a lender.
  • Login to your account using your home loan account number, date of birth, loan amount and EMI amount.
  • Click on Home Loan Statement.
  • You can get a home loan certificate for income tax using the mobile app of the lender.

How to get a Home Loan Statement Offline?

To get a home mortgage statement offline performing the following steps:-

  • Visit the nearest bank branch.
  • Ask the bank executive for a home loan statement.
  • To get a statement you will be required to have a loan account number, PAN, Date of Birth etc.

Why are Home Loan Statements Required?

A housing loan certificate can be used to do the following activities -

  • To keep a regular check on home loan activities. With the statement you can know about the upcoming EMI’s, outstanding loan amount etc.
  • It helps in getting loan in future as it acts as a proof of repayment.
  • These statements are also essential for claim tax deductions if you want to avail deductions on home loan.
    • Under Section 80C of the Income Tax Act, you can claim tax deductions upto ₹ 1,50,000 on the principal amount of the home loan.
    • You can get tax deductions up to ₹ 2,00,000 on the interest paid on the home loan under Section 24 of the Income Tax Act.
    • Also, for let out property there is no upper limit set by the government for deductions.
    • One can only claim deductions for maximum ₹ 2,00,000 under the head of House Property.
  • Amount paid on stamp duty, and registration charges of a home loan can also be claimed for tax deductions.

FAQs

How can I check my home loan balance?

You can check your home loan balance by getting the housing loan certificate via online or offline mode. To know about home loan balance online, you need to install the mobile application of the bank, or you can access the official website of banks. Banks also provide information on home loans through customer care number and on registered email id.

How can I download my home loan from a provisional certificate?

A Home loan provisional certificate can be downloaded from the official website of the bank or the mobile application of your bank. To download the statement you must have a login id and password issued by the bank.

What is a provisional home loan certificate?

The home loan provisional certificate is another name of home loan statement issued at the beginning of the financial year indicating the amount payable for the year.

How do I download my bank statements?

The bank statements of the home loan can be downloaded by logging in to the home loan account on the respective bank website. To get the bank statements, you would require details about home Loan account number, date of birth, account number, loan amount and EMI amount.

How to understand home loan statement?

Home loan statement has four components: namely statement period, transaction activity, due amount, and unpaid principal balance. Statement period reflects the duration of the home loan and how many EMIs are paid. Transaction activity reflects if there are any penalties, due amount shows outstanding balance.

How do I get my home loan statement?

You can get a home loan either online or offline. If you wish to get it online you can visit the official website of a lender. Also, you can visit a nearest bank branch of your lender and ask an executive for the same.

How does a home loan statement help you to save tax?

If you wish to claim tax deductions on home loan then you need to show the housing loan certificate. You can claim deductions upto ₹ 1,50,000 on the principal amount of the home loan and up to ₹ 2,00,000 on interest amount under section 80 C of Income Tax Act.


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