તમારા સપનાનું ઘર ખરીદવું એ એક મોટું રોકાણ છે. જો તમે લોન સાથે ખર્ચ માટે ફંડિંગ કરી રહ્યા છો, તો તમે તમારી પરત ચુકવણીની ક્ષમતામાં સુધારો કરવા માટે યુગલો માટે સંયુક્ત હોમ લોન લેવાનું વિચારી શકો છો.
ચાલો સંયુક્ત લોનના ફાયદા અને ગેરફાયદા પર નજર કરીએ.
જોઇન્ટ હોમ લોન શું છે?
વિવાહિત યુગલો માટે સંયુક્ત હોમ લોન એ હાઉસિંગ લોન છે જે પતિ અને પત્ની દ્વારા નિવાસી પ્રોપર્ટી ખરીદવા અથવા બાંધવા માટે સંયુક્ત રીતે લેવામાં આવે છે. બંને જીવનસાથી લોનની ચુકવણી કરવાની જવાબદારી શેર કરે છે, અને ધિરાણકર્તા પાત્રતા નિર્ધારિત કરતી વખતે તેમની સંયુક્ત આવકનું મૂલ્યાંકન કરે છે. આ વ્યવસ્થા યુગલોને ઉચ્ચ લોનની રકમ માટે પાત્ર બનાવવામાં, સ્પર્ધાત્મક વ્યાજ દરો ઍક્સેસ કરવામાં અને માલિકી શેર અને લાગુ ટૅક્સ કાયદાઓને આધિન વ્યક્તિગત રીતે ટૅક્સ લાભોનો ક્લેઇમ કરવામાં મદદ કરી શકે છે.
આ પણ વાંચો –નવા ઘર ખરીદનારાઓ માટે હોમ લોન ઇન્શ્યોરન્સના લાભો
જોઇન્ટ હાઉસિંગ લોનની લાભો
#1 વ્યાજ દરો અને સરળ ચુકવણી પર છૂટ
મોટાભાગના ધિરાણકર્તાઓ મહિલા સહ-કરજદારો માટે ઓછા વ્યાજ દરો ઑફર કરે છે. આ ઉપરાંત, સંયુક્ત લોનમાં, તમે સરળતાથી તમારા સહ-અરજદાર સાથે પરત ચુકવણીનો બોજ શેર કરી શકો છો. તેથી, તમારી EMI જવાબદારીઓ તમારી વ્યક્તિગત આવક પર ઓછું વજન આપે છે.
પરંતુ આ બધું નથી With two people repaying the loan, you can pay higher EMIs and close the loan over a shorter tenure.
#2 Higher loan amount
Taking a joint loan also means fulfilling home loan eligibility terms for a bulkier loan amount. How? In a joint loan application, you and your spouse pool your incomes together, increasing your EMI affordability and making you eligible for an extended tenure and higher budget. With a higher loan amount, you can buy a house aligning with your housing desires.
#3 ટૅક્સ લાભો
The best thing about a married couples joint home loan is that you receive tax benefits for both the principal amount and the interest paid. Why, yes! Thanks to Sections 24 and Section 80C of the Income Tax Act. And since two borrowers share the loan, you get double benefits and double savings.
But how much can you save? Section 80C enables you to claim a tax deduction of Rs. 1.5 lakhs in a financial year. Moreover, Section 24 allows you to claim an additional rebate of Rs. 2 lakhs on the interest paid.
So as a couple co-owning the property and co-borrowing the loan, you can claim Rs. 4 lakhs under Section 24 and Rs. 3 lakhs under section 80C. That’s a whopping total of Rs. 7 lakhs!
આ પણ વાંચો –હોમ લોન પ્રીપેમેન્ટ શું છે અને તે કેવી રીતે કામ કરે છે?
Cons of joint housing loans
Now that you know the advantages of joint home loans, let us look at their disadvantages.
#1 Transfer of burden
If one of the co-borrowers loses their job or faces a financial emergency, the repayment burden automatically falls upon the other partner. This can put an intense financial strain which may lead to EMI defaults. Not repaying your EMIs on time will also hurt your credit score.
#2 Death of spouse
If unfortunately, one of the spouses passes away, the burden of clearing the housing loan again falls entirely on the surviving partner.
#3 Separation
If a couple decides to part ways in the future or a co-borrower opts out of repaying the loan, the responsibility to pay the loan rests with one applicant. Inability to repay can lead to legal repercussions for both borrowers.
To avoid this, you can sign an agreement mentioning each partner’s share in loan liability beforehand.
આ પણ વાંચો – What Happens When a Home Loan Borrower Passes Away
Joint home loan eligibility criteria in India
For married couples planning to buy a home together, understanding the eligibility norms is essential before applying. Joint home loan eligibility for married couples is primarily evaluated based on shared financial strength, ownership structure, and individual credit profiles, as outlined below:
- Spousal relationship: Both applicants must be legally married, with proof such as a marriage certificate if required by the lender
- Co-ownership of property: Husband and wife must be co-owners of the property being financed
- Combined income consideration: The lender considers the combined income of both spouses, one of the key benefits of joint home loan applications, as it can increase the eligible loan amount
- Credit score requirement: Each spouse must meet the minimum credit score criteria set by the lender
- Age eligibility: Both applicants should fall within the lender’s specified age limits at loan maturity
- Employment stability: Salaried or self-employed spouses must show stable and verifiable income sources
- Joint repayment capacity: The loan is sanctioned based on the couple’s combined ability to repay EMIs comfortably
How to apply for a joint home loan: Step-by-step guide
Once you meet the joint home loan eligibility criteria, applying for a joint home loan is a fairly straightforward process.
Following these steps can help married couples maximise the benefits of joint home loan applications and ensure a smooth approval journey:
- Check eligibility of both spouses:
Review age, income, employment stability, and credit scores of both applicants to confirm joint home loan eligibility.
- Decide ownership share:
Finalise the property ownership ratio between husband and wife, as this impacts loan approval and tax benefits.
- Compare lenders and loan options:
Evaluate interest rates, processing fees, tenure, and repayment flexibility to make the most of the benefits of joint home loan offerings.
- Submit the joint loan application:
Fill out a single application form with details of both spouses and submit it to the chosen lender.
- Provide required documents:
Submit KYC documents, income proof, property papers, and bank statements for both applicants.
- Property verification and credit assessment:
The lender conducts legal, technical, and credit checks to assess risk and confirm eligibility.
- Loan approval and disbursal:
Once approved, the loan is sanctioned and disbursed as per the agreed terms and construction or purchase stage.
નિષ્કર્ષ
સંયુક્ત હાઉસિંગ લોન ખૂબ જ આકર્ષક છે, જે તેમના દ્વારા ઑફર કરવામાં આવતા ઘણા લાભોને ધ્યાનમાં લે છે. તમે સંયુક્ત રીતે અથવા વ્યક્તિગત રીતે અરજી કરી રહ્યા હોવ, ટાટા કેપિટલ સાથે ઝંઝટ-મુક્ત હાઉસિંગ ફાઇનાન્સ મેળવો. વિસ્તૃત લોનની મુદત અને સૌથી સ્પર્ધાત્મક હોમ લોન વ્યાજ દરો મેળવો, જે 6.90% થી શરૂ થાય છે.
તમારી લોનની પાત્રતાનું મૂલ્યાંકન કરો અને આજે જ અપ્લાઇ કરો!
વારંવાર પૂછાતા પ્રશ્નો
Joint home loan eligibility is assessed based on the combined income, age, credit score, and repayment capacity of all co-applicants. One of the key benefits of joint home loan applications is higher loan eligibility due to shared financial strength.
Yes, joint home loans can be taken with parents, children, or siblings, depending on lender policies. All co-applicants must meet joint home loan eligibility norms and be co-owners of the property.
All borrowers are jointly liable for repayment. If one applicant defaults, the others must cover EMIs, which can affect credit scores despite the benefits of joint home loan arrangements.
Each co-owner can claim tax benefits individually based on ownership and repayment share, subject to joint home loan eligibility and applicable income tax limits.
Yes, some lenders allow conversion by adding a co-applicant, provided the revised joint home loan eligibility criteria are met and documentation is updated.
The surviving co-borrower becomes responsible for repayment. A loan protection insurance can help manage this risk while preserving the benefits of joint home loan commitments.
19 ડિસેમ્બર 2025
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