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IDFC home loan statement
A home loan is one of the most favored debt instruments today. A lot of people have built their dream homes using home loans. IDFC has been providing loans at attractive rates and lower costs. Due to the customer-centric approach and easy availability of loans, IDFC bank has been preferred for obtaining home loans.The IDFC home loan statement provides all details about the home loan, such as its repayment, tenure, and the EMIs to be paid by the borrower. It is basically a summary of all the information related to the home loans of the borrower.Features of The IDFC Home Loan Statement
- The IDFC home loan statement gives a clear picture of the home loan and its current value.
- It gives the bifurcation of the interest and the principal component of the loan.
- The loan statement also helps the borrower manage the EMIs.
- The home loan statement is generally given at the end of or at the beginning of the financial year
- It is also called the IDFC provisional certificate
- The IDFC borrowers can access the certificate both offline and online
- This statement can be used to calculate the debt-income ratio also
How to get the IDFC home loan statement online?
Similar to all the other activities that are carried out online, the IDFC home loan statement can also be accessed online using the following steps
- Visit the IDFC online portal or the official IDFC website
- Click on the login page and enter your username and password.
- After you have successfully logged in, go to the enquiries tab
- Select the home loan statement option
- After selecting the option, enter the details.
- After entering the necessary information, the home loan statement opens
- You can download the statement in pdf format
Details given by the IDFC home loan statement
An IDBI home loan statement has the following information
- Total loan amount, tenure and interest rate
- Outstanding loan, interest, and term
- The loan amount that has been repaid already
- EMIs that have been paid
- Outstanding EMIs
- Tax certificate for income tax purposes
- Important dates like the start of the loan, the date when the loan is ending
How to get an IDFC home loan statement offline?
- Visit the nearest IDFC branch
- Ask for the home loan statement form
- Fill in all the personal details as required.
- Also, fill in the details related to the home loan
- After submitting the form, you have to show a valid ID proof to your bank
Conclusion
A home loan is a significant long-term investment. Borrowers must take the necessary measures to make quick home loan payments and save on interest rates.
An effective tool for helping borrowers comprehend their financial situation is a home loan statement. To make sure that the loan's terms are still favorable and that the borrower is on track to repay the loan, it is crucial to regularly review this document. Borrowers should also review their statements for any mistakes or inconsistencies. Borrowers can stay on top of their mortgage payments and prevent any potential problems with their loans by regularly reviewing their home loan statements.
FAQs of IDFC Bank Home Loan Statement:
1. How can I download my IDFC home loan statement online?
You can download the home loan statement online if you have availed of the option of net banking or internet banking. You can also download the Kotak bank app and fill in all the details required.
2. How can I get my IDFC home loan statement online?
The following steps below are to be followed
- Visit the IDFC banking online portal or their official website
- Click on the login page and enter your username and password
- After logging in select the enquiries tab
- Under the enquiries tab, select the home loan statement or provisional certificate option
- Enter the details for the information you desire
- After entering all the details, the site will open the statement. After opening the statement, you can download the statement in pdf format.
3. How do I get my IDFC home loan statement offline?
For getting the IDFC home loan statement offline, you need to follow the steps given below
- Visit the nearest IDFC bank branch
- Ask for a home loan statement form
- Fill in the form with all your personal details and details related to your home loan
- After filling in the form, submit the form and you need to show valid identity proof to the bank
4. Is a home loan interest certificate a must to claim IT deductions?
If you are a salaried person, and have declared your home loan interest and principal repayment in your IT declaration, then you will need this certificate to submit to your employer for tax calculation purposes. This will reflect in your Form-16.
5. How often can I check my IDFC home loan statement?
You can check it whenever you want. There is no limitation on your accessing your home loan account statement.
6. Are there any charges to get my IDFC home loan account statement?
No, there is no charge to access, view or download your home loan account statement.
7. Can I get a copy of the IDFC Home Loan statement at the branch?
Definitely! You can walk into any IDFC bank branch and request them to give you a printout of your latest home loan account statement.
8. How can I know my outstanding loan amount in IDFC bank?
You can make a missed call to the bank’s toll free number - 1800-2700-720 to find out the amount due. IDFC bank also provides its customers with an internet banking facility through which they can find the outstanding loan amount.
