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Asked by namish on :Jul. 05, 2018

I and my friend took a house loan for the constru…

I and my friend took a house loan for the construction of house property. We both are co-owners of …

I and my friend took a house loan for the construction of house property. We both are co-owners of a house. He pays half of EMI and I pay half. Can we claim the deduction of interest under section 24 separately?

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Jeeba Jul. 05, 2018

Yes
Since you both have taken a joint loan and paying 50% EMI by each, you both are allowed a deduction for the interest and principal payment of your share separately.

Principle deduction shall be up to the one lac and fifty thousand for both of you and interest deduction shall be thirty thousand/two lacs, as the case may be.

Since loan has taken for the construction of a house, you both are allowed to the deduction up to two lacs separately.

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