A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Home Loan Provisional Certificate

    A home loan certificate is nothing but a statement of your home loan account provided by your lender. It is the summary of the interest and the principal amount repaid by you towards your Home Loan for the given financial year and serves as a proof of home loan repayment. In many cases, a provisional interest certificate can also be obtained at the beginning of the financial year, which indicates the amount payable for that year.

    How To Get Home Loan Provisional Certificate From The Respective Bank?

    The process to obtain the home loan interest certificate from your bank is fairly simple and can be done right from the comfort of your home. A majority of lenders these days have made it possible for their customers to access the interest certificate online.

    All you have to do is visit the official website of your bank and login to your account. You can then access your home loan summary statement, provisional tax certificate, and other relevant documents.

    Alternately, you can also visit the nearest branch of your bank and ask the officials for the statement in person. Needless to mention, you will have to provide them with your loan account number and other details such as PAN, date of birth, et cetera.

    What Is The Use Of Home Loan Certificate?

    One of the most important uses of a home loan certificate is to claim tax deductions.

    As we know, the principal and EMI component of a home loan are subject to respective tax deductions. Under the Section 80C of the Income Tax Act, the principal amount repaid by you can be claimed as a deduction to a maximum of Rs. 1,50,000, while the cap on the interest claim as per the Section 24 is Rs. 2,00,000. Apart from this, stamp duty charges and registration fees can also be considered as deductions.

    In order to successfully avail these tax benefits on a home loan, you will be required to submit your home loan certificate while filing your returns.

    How To Get SBI Home Loan Provisional Certificate?

    If you are looking to get your home loan certificate from the State Bank of India, the following are the steps that you need to follow:

    Step 1: Visit the official website of SBI at https://www.onlinesbi.com/personal/

    Step 2: Using your credentials, log in to the personal banking section of the site

    Step 3: Select the ‘Enquiries’ tab and click on ‘Home Loan Interest Certificate (Provisional)’ link

    Step 4: The last step is to select the account for which you need the home loan certificate. You can now view, print or download your home loan interest certificate.

    How To Get HDFC Home Loan Interest Certificate?

    A similar process can be followed to get the interest certificate from HDFC Bank as well.

    Step 1: Visit the following link - https://online.hdfc.com/loansapps/(S(wn5upcgbjjovmynkvj0s1h1p))/rptITCert.aspx

    Step 2: Enter the loan account number and the captcha code as displayed on the page.

    Step 3: The loan certificate will then be displayed on your page. You can choose to receive it either by Email or by post. In case you choose postal delivery, the certificate will be posted within two working days.

    Step 4: Alternately, you can also use the online access for customers link, provided by the HDFC Bank. Simply enter your login credentials following which, you will be able to view your interest certificate, provisional statement, et cetera.

    How To Get ICICI Home Loan Provisional Certificate?

    To get the home loan certificate from ICICI Bank, simply go through the following steps:

    Step 1: Visit the link - https://www.icicibank.com/Personal-Banking/loans/home-loan/home-loan-statement.page

    Step 2: Click on ‘Continue to Login’. You can use this option to access your home loan summary, provisional income tax certificate, et cetera.

    Step 3: You will need to enter details like home loan account number, date of birth, loan amount, EMI amount, et cetera and click on ‘Submit’. You can now view your home loan interest certificate

    How To Get Axis Bank Home Loan Certificate?

    There are different ways to get home loan certificate from Axis Bank.

    • You can use Internet Banking option to select the respective loan account and then find the ‘View Interest Certificate’ option from the drop-down menu. The same can be done using the Axis Mobile App as well. Simply select ‘Loans’, followed by ‘Request Statement’. You then need to select ‘Interest Certificate’ to view your home loan certificate
    • You can also call the customer service team at 1860-419-5555 and 1860-500-5555 and request them for your home loan certificate, or send an Email for the same on the official website
    • Another alternative to the aforementioned options is visiting your nearest Axis Bank branch

    A similar process can be followed to get the home loan certificate from other banks as well.

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    Home Loan Reviews

    • DHFL Home Loan
      "Not satifactory service"
      0.5 1.0/5 "Really Bad"
      I got home loan with DHFL FINANCIAL INSTITUTION . I am not happy with the services even the customer service response is not so good . The loan amount which they gave was good but they charge very high rate of interest . Overall it is fine experience .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • LIC Housing Home Loan
      "Should be transparent and prompt"
      0.5 1.0/5 "Really Bad"
      I have housing loan from LIC, the interest is high. My property located in lucknow but I am staying in mumbai hence for the balance transfer its very difficult they need lots of loan documents. Without proper notification they increased the interest but for the reduction they have lots of procedure and I need to pay Rs.1000.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 22, 2019
    • LIC Housing Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      LIC HOUSING FINANCE has also offered me a home loan. The process was quick and I got the loan on time. The rate of interest is and there were processing charges as well both are very nominal compare to others in the market . The tenure period is 10 year and it is sufficient .
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 21, 2019
    • review Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have SHAMRAO BANK i have took home loan from this bank . Their service is better, Overall the whole loan process was easy and hassle free. Only the rate of interest were high with this bank. The processing fee is nominal with this bank . And the loan amount is not satisfactory .
      Was this review helpful? 0
      , pune
      Reviewed on Apr 21, 2019
    • HDFC Limited Home Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      HDFC LIMITED is the bank where i have taken the housing loan the loan amount they have offered was good and satisfactory added on that the documentation process was simple and pretty simple documents. I got the loan within one day, the rate of interest was nominal.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 20, 2019
    • DHFL Home Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      I had taken a Home Loan from DHFL LTD a long time back and the loan is still running. The loan amount has been sufficient but the interest rate with them has been quite high, where they had not reduced the interest rate as well. The processing fee and charges which they had made has also been high when compared with the other banks.
      Was this review helpful? 1
      , faridabad
      Reviewed on Apr 20, 2019
    • HDFC Limited Home Loan
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      My housing loan process was simple with HDFC Ltd, they took only 3 working days to verify and sanction the amount, they didn't ask any guarantor for my loan, but I feel the interest is bit higher, I took the amount of Rs. 5 lakhs for the duration of five years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 20, 2019
    • ICICI Bank Home Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have applied or the housing loan with the ICICI BANK the documentation process was simple and easy to get the loan they have given the 95% of value as a loan amount. The duration for repaying the loan is for 20 years and using from last 2 years. The rate of interest was 8.6% which was nominal.
      Was this review helpful? 2
      , pune
      Reviewed on Apr 19, 2019
    • LIC Housing Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I took my housing loan with LIC HOUSING FINANCE previously, They gave me sufficient loan amount based on the requirement, but i felt they have charged me high rate of interest and even they have charged me processing fee high, so i have done balance transfer to other bank.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 19, 2019
    • Bajaj Finserv Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I did balance transfer from one bank to Bajaj finserv for housing loan, the loan amount was sufficient, but rate of interest i felt was less compare to other bank loan, the rate of interest they have charged me up to 8.85% which was nominal, everything is good but i did not like one thing ,like after doing balance transfer i came to know that it is mandatory to pay insurance for premium it use to get lock after paying insurance, i can not do in future balance transfer .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 19, 2019
    • Indiabulls Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I hold my housing loan with Indiabulls for an while. They have given me loan on time without any delay, their service was good. The process in getting loan was simple, i got loan on time. Their rate of interest was nominal, still this loan is running.
      Was this review helpful? 2
      , new delhi
      Reviewed on Apr 19, 2019
    • HDFC Limited Home Loan
      "Very good"
      0.5 4.0/5 "Great!"
      Last 4month back I took one home loan from HDFC Limited , but I am not satisfied with their rate of interest since it is little high , and loan amount is 30L I am satisfied with loan amount and and EMI amount is 25K and tenure is 25years , but their customer service is not much good ,and response not at a time.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 19, 2019
    • HDFC Limited Home Loan
      "Best service"
      0.5 4.5/5 "Excellent!"
      I hold my housing loan with HDFC LIMITED for an while, their service is good, but not sure about the rate of interest like every 2-3 months they are increasing my limit up to 0.05% i need to check with the customer care regarding this, the loan amount was sufficient, they have not charged me processing fee.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 19, 2019
    • IIFL Home Loan
      "NOT SATISFIED"
      0.5 1.0/5 "Really Bad"
      I have previously used the housing loan with the INDIA INFOLINE HOUSING FINANCE LTD and transferred to another bank because the rate of interest was higher. They have offered the pre approved so taken. There are hidden charges applicable also it is floating rate of interest with this bank which was 32% which am not happy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 19, 2019
    • HDFC Limited Home Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      The documentation process was easy and simple with the HDFC LIMITED and housing loan was taken before few days. The rate of interest was lesser so transfered the loan with this bank. The duration is for 30 years to repay the loan. There is a pre closure option with this loan.
      Was this review helpful? 2
      , mumbai
      Reviewed on Apr 19, 2019
    • HDFC Limited Home Loan
      "Very good"
      0.5 4.0/5 "Great!"
      I am satisfied with loan amount of 8L with the rate of interest is 8.65% , EMI amount is 6769 rupees and tenure is 20years. It was taken last two years back from HDFC LIMITED and their overall service is good but I would like close this loan after 3 to 4 months.
      Was this review helpful? 2
      , new delhi
      Reviewed on Apr 17, 2019
    • Bank Bazaar Home Loan
      "balance transfer"
      0.5 4.0/5 "Great!"
      i like your offer...t is the first time experience with the Bankbazaar.com and i have a good experience with this channel. I prefer using it through the mobile application as the application is simple and user friendly to access. The customer service is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 17, 2019
    • Axis Bank Home Loan
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      My home loan is with Axis Bank and the process to get the loan is good. The disbursement happened on time and the customer support and response is good. The documentation was also a smooth process. The rate of interest and processing charges is normal.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 17, 2019
    • IDBI Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I took housing loan with IDBI bank for an while, the loan amount which they have given me was good, it was sufficient based on my requirement, the rate of interest and their processing fee which they have charged me was nominal, AS it is government bank their service is not that up to the mark, but the interest rate was less so i applied.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 17, 2019
    • LIC Housing Home Loan
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      LIC housing is good but interest is the concern, I took the amount Rs. 20 lakhs for 20 years. They quoted 10.8% its a floating one, they didn't revise the interest as per the RBI guideline. But they do have balance transfer, part payment and other options.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 17, 2019
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