Neutral impactSector
Two home loans? You can claim tax benefits on both—but there are limits | Check details
Mint 1 hr ago·18 Sept 2026, 6:48 pm
The finance ministry has clarified that a borrower who holds two home loans can claim tax deductions on the interest paid and the principal repaid for each loan, but the overall benefit is capped by the existing limits under Section 24(b) for interest and Section 80C for principal.
For investors, this clarification could spur demand for additional housing finance, as buyers feel more comfortable financing multiple properties while still enjoying tax relief. Higher loan volumes can improve the asset quality and earnings outlook for banks, NBFCs and housing‑development companies that rely on mortgage lending.
Going forward, market participants should watch for any further guidance on the exact ceiling amounts, RBI’s stance on loan‑to‑value ratios, and trends in housing‑price growth, all of which could influence loan growth and lender profitability.
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