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  • Home Loan Provisional Certificate

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  • 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

    • HDFC Limited Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I had applied for home loan with HDFC limited on few months before, they have sanctioned a loan for 22 lakhs but due to some problem of my builder from my end I kept on hold for the loan process. They have detected for the processing fee of 11 thousands but they refunded 9 thousands rupees. The tenure of 15 years. Interest rate was nominal of 8.55%.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Oct 15, 2019
    • HDFC Limited
      HDFC Limited Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      With HDFC limited I have taken home loan on 8 months before which was processed through them directly. They have approved for 8 lakhs but as of now I have taken only for 5 lakhs remaining 3 lakhs I will get later from their end. Due to shop will come in commercial loan so I have split the loan amount to get it. For the tenure of 15 years. The processing fee for 5000 rupees. The rate of interest 8.8%, they have sanctioned the loan within one month.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 15, 2019
    • Punjab National Bank Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have availed Home loan directly through Punjab National Bank .The rate of interest and the processing fee was very high ,I have got the loan amount on delay basis and i have applied for 26 lakhs for the tenure of 15 years.I have not faced any difficulties until i have received the loan .
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 14, 2019
    • SBI Home Loan
      "Excellent Loan Service"
      0.5 5.0/5 "Blown Away!"
      SBI Home Loan is excellent because I've a salary account with them. They offered me a interest rate of 9.5% approximately. I took the loan amount of Rs. 23 lakhs so far i have got only Rs. 16 lakhs since my building is under construction. My EMI is not yet started. They sanctioned the loan in 2 working days.
      Was this review helpful? 0
      , dindigul
      Reviewed on Oct 14, 2019
    • SBI Home Loan
      "Easy and best loan"
      0.5 5.0/5 "Blown Away!"
      SBI is a best bank and they had a better option. There is only simple documentation required and executive came to my place for collecting all the documents. I got the loan within 7 days. SBI did not taken any processing charges and they gave better and cheap interest. They take minimal time and better response from the customer care so i had chosen SBI for my home loan.
      Was this review helpful? 1
      , agra
      Reviewed on Oct 11, 2019
    • Central Bank of India Home Loan
      "Highly recommendable bank"
      0.5 5.0/5 "Blown Away!"
      My home loan was purchased from Central bank of India. The branch offer was approved the loan immediately and they had a good behavior with the customer. I got the better clarity about the loan process as well as the rate of interest in central bank of India is less than compared to others so i have chosen this bank and the Branch Manager helped me in a better way.
      Was this review helpful? 3
      , bhubaneshwar
      Reviewed on Oct 05, 2019
    • DHFL Home Loan
      "Need to decrease interest charges"
      0.5 5.0/5 "Blown Away!"
      From DHFL I have taken a home loan almost more than a year. One of my cousin's friend working there he recommend to apply for a home loan. The process was smooth and sanctioned a loan within 6 days with sufficient amount of 20 years. The rate of interest was high.
      Was this review helpful? 3
      , vijayawada
      Reviewed on Oct 05, 2019
    • ICICI Bank Home Loan
      "Average Loan service"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has provided me a home loan at the time of i want on a immediate basis. Since the necessity is over they have provided me a timeliness loan. I taken the loan amount of Rs. 10 lakhs and the have charged me a higher interest rates which i'm not comfortable with.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 05, 2019
    • HDFC Limited Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have balance transfer for a home loan with existing finance to HDFC LIMITED. One month before only I have a transfer of a loan. They have outstanding amount of 10 lakhs for the tenure period of 10 years. The rate of interest is 8.6% only for mortgage charges for 8 thousands need to pay for it.
      Was this review helpful? 1
      , goa
      Reviewed on Oct 04, 2019
    • review Home Loan
      "Need to decrease charges & improve customer service "
      0.5 1.0/5 "Really Bad"
      I have taken a home loan with SUNDARAM FINANCE on 10 years before which was processed through them directly. The amount which was given for 13 lakhs for the tenure period of 20 years. There was lot of issues I faced with them customer service is not good response. The rate of interest was high of 14% compare to other.
      Was this review helpful? 1
      , goa
      Reviewed on Oct 04, 2019
    • SBI Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have taken home loan directly through State Bank Of India .The rate of interest and the processing fee was nominal ,I have got the loan amount on time and got a clear picture about the loan process ,I have availed this loan for the tenure of 20 years .I have completed only 2 years of EMI so far .,
      Was this review helpful? 3
      , vizianagaram
      Reviewed on Oct 04, 2019
    • Central Bank of India Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken Home loan directly through Central Bank OF India ,I have got the loan on exact time ,The rate of interest and the processing fee was nominal ,I have got all the details about this loan very clearly through bank agent.The process was very easy and still this loan is active .
      Was this review helpful? 1
      , ramanathapuram
      Reviewed on Oct 04, 2019
    • SBI Home Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Nearly 11 years before I had taken a home loan with STATE BANK OF INDIA which was processed directly to them.The loan amount was sufficient for the tenure period of 15 years. The rate of interest and processing fee are nominal. They have sanctioned a loan within few days and the process was good.
      Was this review helpful? 1
      , itanagar
      Reviewed on Oct 04, 2019
    • Central Bank of India Home Loan
      "Easily accessible bank"
      0.5 4.0/5 "Great!"
      I have just applied the home loan from Central bank of India. I had a reference over there hence i applied the home loan from Central Bank of India. Documentation process was hassle free. They have offered me a interest rate of 10.1% and the processing fee was 1% of the interest amount +18% GST charges. They have dispatched the loan 20 days. The staffs are so friendly
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 01, 2019
    • HDFC Limited Home Loan
      "Customer friendly loan service"
      0.5 4.5/5 "Excellent!"
      HDFC was the only bank which is offering for the home loan in the area where i have purchased the house so i opted with HDFC LIMITED. I had applied the loan amount of Rs. 28 lakhs and the given interest rate is 8.5% and they charged me a processing fee of nominal one. I took the loan 3 years ago and they took 40 to 50 days to sanctioned the loan.
      Was this review helpful? 2
      , ambala
      Reviewed on Oct 01, 2019
    • Punjab National Bank Home Loan
      "Very ease to get the loan"
      0.5 4.0/5 "Great!"
      I took a home loan with PNB Housing Finance Ltd because the terms and conditions are very liberal at that time, I have been expecting higher loan amount for my purchase. They have fulfilled my requirements and its more than 90%. The rate of interest is little bit higher and they are not following RBI guidelines. When interest rate is increased, they have started charging more but not reduced when it got reduced.
      Was this review helpful? 1
      , palakkad
      Reviewed on Sep 29, 2019
    • HDFC Limited Home Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I have completed my home loan with HDFC BANK before 3 years ago. I did foreclosure and that time the interest rate is not much. I bought a residential property and the loan procedure is very easy because my papers are strong and clear to proceed faster.
      Was this review helpful? 1
      , madurai
      Reviewed on Sep 29, 2019
    • Bank of Baroda Home Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Home loan directly through Bank Of Baroda and got the loan on stipulated time .This loan was upto 15 years and got the loan amount on time ,The agent gave all the required information about the loan process .I have got all the required details about the loan process and there was no drawbacks faced as well.
      Was this review helpful? 2
      , surat
      Reviewed on Sep 29, 2019
    • LIC Housing Home Loan
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      I am not happy with rate of interest which was given by LIC Housing Finance. I have purchased the Flat in 2017August. The loan amount was 40L and its 15 years tenure. The processing fee is not applicable. The customer service is good. But every year, they are raising the interest rate which was not good.
      Was this review helpful? 3
      , visakhapatnam
      Reviewed on Sep 28, 2019
    • Punjab National Bank Home Loan
      "Average Banking Services"
      0.5 3.0/5 "Satisfactory"
      Chosen the home loan from PNB housing but the charges are very high and the services are not upto the mark. Its Government undertaken organization hence i got the loan from them. They do not take so much time to deliver the loan. They have sanctioned the loan in 20 days. Their interest rate is 10.75% hence now i want to transfer the loan to some other bank.
      Was this review helpful? 5
      , new delhi
      Reviewed on Sep 24, 2019
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