Mortagage loan - nri income tax

Hi,

I am a NRI. I have got mortgage loan from icici bank. I wanted to remit the money overseas and I spoke to a CA for the same. The CA informed me that the mortgage amount will be treated as my income and 30% tax will be deducted from it. I am confused , how can a loan be a income ? And if its not a capital gain why should I pay tax for outward remittance.

Couple of other CA’s told me that a loan cant be treated as income.  I am confused and not able to get any clarity.

my question to the experts is

1. Will my loan against mortgage be treated as income and will  30% be deducted

2. Can i remit this money overseas. My loan is already disbursed.

regards,

parvez