i have been paying pre emi for last two years. the total aggregate is approx Rs 1,29000 . the construction will be completed as stated by the company in dec2014. i am aware that i can claim for rebate against interest paid under sec 24 only on completion of the construction. do i however have to file the tax deduction certificate , which states the interest paid by me , which has been given to me by the bank along with the income tax returns for the yr 2013-14?

Secondly if the bank allows so ,is it in my better interests to start with the emi straight away on the full amount of the loan sanctioned , so that i can also start paying some principal amount? i have a balance of approx 3,25,000 still to be disbursed by the bank?lastly , does the meaning of completion of construction and the possession of the house mean the same thing?

pl do advise