Tax planning
Return with rent from two or more properties and home loan interest, Sec 24(b)
- If you own several houses, each one is taxed on its own rules: rent less municipal tax and a flat 30%, minus loan interest.
- Deadline: AY 2026-27: due 31 July 2026 (passed) for non-business filers. Belated return up to 31 December 2026, but a house property loss of a late return cannot be carried forward.
- Done in 2 working days after rent and loan papers
- Prepared by your Savvy, checked by a CA
- Rent agreements and rent received
- Which one or two houses do you live in
- Classify each property
- Property-wise computation sheet
Return with rent from two or more…
AY 2026-27: due 31 July 2026…
- IWhat we need from you8 documents
- DQuestions for you6 questions
- FForms5 steps
- DWhat you getProperty-wise computation…
Answer in brief
If you own several houses, each one is taxed on its own rules: rent less municipal tax and a flat 30%, minus loan interest. We work out each property, apply the ₹2 lakh limits correctly for your regime, carry forward any loss, and file the right ITR.
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How we solve it: 4 steps
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Step 1 of 4 · What we need from you
Tap each one you already have
- Rent agreements and rent received
- Municipal tax receiptsOptional
- Home loan interest certificates
- Possession or completion dateOptional
- Co-ownership and loan shareOptional
- Vacancy periodsOptional
- Form 26AS and AIS
- Last year's ITR loss scheduleOptional
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Answers on this topic
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Pay and start
₹2,499
₹2,499 + ₹449.82 GST = ₹2,948.82
Yearly. Delivered in 2 working days after rent and loan papers. Due: AY 2026-27: due 31 July 2026 (passed) for non-business filers. Belated return up to 31 December 2026, but a house property loss of a late return cannot be carried forward.
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