Topic: I want to take a home loan can I take my husband as a co-borrower ?

What all benefit me and my husband would get?

This message was edited 2 times. Last update was at 27/07/2009 12:12:01

You will be eligible for deductions for your home loan in India under section 24 and section 80c.

The maximum limit Rs.1.5 Lakh in section 24 will apply individually to both of you (i.e. the total deduction will be limited to Rs.3 Lakh). the relevant sections in this regard are, the explanation to section 26 as well as section 23(2) and section 24 (b).

The tax benefits will be shared in the ratio of the share of the home loan for husband and wife. both can enter into a share agreement, indicating the respective shares in the property and the loan.

This message was edited 1 time. Last update was at 03/09/2010 14:02:39

Hi,

i am sujendra

for this my opinion is the tax benefits will be shared in the ratio of the share of the home loan for husband and wife. both can enter into a share agreement, indicating the respective shares in the property and the loan.

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This message was edited 1 time. Last update was at 22/09/2011 15:16:44

If you give the service provider with proper documentation and other details, you and your husband can be co-borrowers of the home loan. Most financial services firms in India consider income, age, property value, etc. before determining the applicant's eligibility for the home loan. Once such financial services firm that I'd recommend you to check with is Bajaj Finserv Lending home loan. They offer home loans between Rs. 25 lacs and Rs. 12.5 crores, which can be paid over a term of upto 20 years.

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