Query: claiming tax benefit on home loan's interest

Hi,

I have a query..

i took a home loan in 2011 dec, i havenot got the possession of flat uptill now Oct 2015, therefore, i was not able to take the tax benefit.

Now, i see that the possession of flat could be done in Dec 2015, however, i have crossed three finacial years to take tax benefit (some 80EE clause, not sure exactly).

So, what can i do now, to take the tax benefit??

1) should i refinace my loan? will this be beneficial..as i have already paid a lot of interest for 3 years in the current bank.

2) or there is any other way?

Thanks,

Rahul