Housing Finance and Tax Planning
Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Retail Banking and Wealth Management — JAIIB.
One-liners from this chapter
Free sample — 8 of 45 rapid-fire Q&A cards.
24(b) — Component / Max Deduction?
Component: Interest on self-occupied home loan; Max Deduction: ₹2,00,000
80EEA — Component / Max Deduction?
Component: Additional interest (affordable housing); Max Deduction: ₹1,50,000
80C — Component / Max Deduction?
Component: Principal + stamp duty + registration (aggregate 80C basket); Max Deduction: ₹1,50,000
TOTAL — Component / Max Deduction?
Max Deduction: ₹5,00,000
Up to ₹30 lakh — LTV Ratio (max) / Risk Weight?
LTV Ratio (max): 90 %; Risk Weight: 35 % (LTV ≤ 80 %); 50 % (80 % < LTV ≤ 90 %)
> ₹30 lakh and ≤ ₹75 lakh — LTV Ratio (max) / Risk Weight?
LTV Ratio (max): 80 %; Risk Weight: 35 %
> ₹75 lakh — LTV Ratio (max) / Risk Weight?
LTV Ratio (max): 75 %; Risk Weight: 50 %
EWS — Annual Household Income / Loan Size for Subsidy / Subsidy Rate / Max Carpet Area?
Annual Household Income: ≤ ₹3,00,000; Loan Size for Subsidy: up to ₹6,00,000; Subsidy Rate: 6.5 % p.a. for 20 yrs; Max Carpet Area: 30 sq.m.
MCQ practice tests
Chapter-wise mock tests with instant scoring.
PDF study notes
More chapters in Module D - Wealth Management
Master the full RBWM syllabus
Every chapter of Retail Banking and Wealth Management — videos, tests, notes and one-liner decks in one place.