Income from house property

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construction of house was completed on 31st january 2020 the owner of house took a loan of 20 lacs at 6% per annum on 1st may 2019 in this case the deduction allowable is the previous year 19-20 towards the following is ?
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Interest from may to January ( will be divided for 5 yrs)
January to march fully you can claim.

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