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Home Loan Provisional Certificate: Overview

A Home Loan interest certificate is a document that borrowers can request from lenders. It details the status of the interest paid and the interest remaining on a Home Loan.

On the other hand, a Home Loan provisional certificate is a detailed document that enumerates the number of EMIs paid, the remaining loan amount, the remaining interest amount, and the rate of interest on the loan. However, in everyday parlance, Home Loan interest certificates and Home Loan provisional certificates are also used interchangeably.

Apart from understanding the current financial situation of the Home Loan, Home Loan provisional certificates are also required by the borrower to claim income tax rebates.

Most lenders have the provision to download the home loan provisional certificate online from their respective customer helpline portals and applications. In the case of Bajaj Housing Finance Home Loans, one can download the certificate from the Online Customer Portal.

Alternatively, the borrower can contact a branch of Bajaj Housing Finance in the vicinity or talk to the  BHFL customer care. Upon verification of the identity of the borrower, the customer care personnel will ask for the details of the Home Loan for which these documents are required.

In the case of a physical interaction, the customer care personnel may request the borrower to make a plain paper application asking for a current copy of these documents.

Home Loan borrowers can file for income tax returns using a Home Loan provisional certificate.  Home Loan tax benefits include reimbursement of the principal amount paid and reimbursement of the interest paid in a financial year.  

In the case of joint Home Loans, each applicant must procure their own Home Loan provisional certificate for the given financial year, detailing the percentage of their ownership of the property and the percentage of the loan in their name from the bank or the lending financial institution. 

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