TaxTMI 
TaxTMI 
I am co coapplicant for a housing loan with my mother, but the property is on her name.
Can I claim HRA for the property as rented out to me.
HRA clarification
16 Feb 2020 
1 Reply 
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HRA entitlement when occupying a family-owned property depends on genuine tenancy and payment of reasonable rent.
Whether a co-applicant on a housing loan may claim HRA for a property titled in a parent's name depends on a genuine tenancy: if the mother is the real owner and has let the property to the co-applicant who pays reasonable rent on an arm's-length basis, the occupant may claim HRA. Co-applicant or EMI payments for family convenience do not by themselves alter ownership, but the tenancy and rent must not breach the loan or security documents and loan amendments may be needed to regularise payments. (AI Summary)
Whether a co-applicant on a housing loan may claim HRA for a property titled in a parent's name depends on a genuine tenancy: if the mother is the real owner and has let the property to the co-applicant who pays reasonable rent on an arm's-length basis, the occupant may claim HRA. Co-applicant or EMI payments for family convenience do not by themselves alter ownership, but the tenancy and rent must not breach the loan or security documents and loan amendments may be needed to regularise payments. (AI Summary)