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Home Loan Provisional Certificate: Overview

A provisional certificate for a Home Loan 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.

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, 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.

Also Read: Importance of Encumbrance Certificate for Home Loan

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

In the case of joint Home Loans, each applicant must procure their own 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. 

Also read: About NOC for Home Loan

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