Home loan & hra claiming query

To avail HRA exemption there are 3 conditions,

1. salaried employee who is in receipt of HRA from his employer  

2. should be actually paying house rent for the rented premises which he has occupied and  

3. such rented premises must not owned by him. 

Now about housing loan interest deduction,

Explanation 01 to Section 24(b)of the Income Tax Act

Explanation.Where the property has been acquired or constructed with borrowed capital, the interest, if any, payable on such capital borrowed for the period prior to the previous year in which the property has been acquired or constructed, as reduced by any part thereof allowed as deduction under any other provision of this Act, shall be deducted under this clause in equal instalments for the said previous year and for each of the four immediately succeeding previous years.

So, the pre construction period in your case is upto FY 2012-13 because you will occupy the flat in Feb 14(FY 2013-14). You can claim deduction for hsg loan interest + 1/5th preconstruction interest in FY 2013-14. Also 80C deduction for principal repayments can be claimed. 

As regares HRA, you satisfy the 3 conditions above till Jan 14, so you can claim deduction till Jan 14 after satisfying the other conditions.