घर घेणे ही एक खूप मोठी फायनान्शियल गुंतवणूक आहे. जर तुम्ही लोनसह खर्चासाठी फंडिंग करीत असाल तर तुम्ही तुमची रिपेमेंट क्षमता सुधारण्यासाठी जोडप्यांसाठी जॉईंट होम लोन घेण्याचा विचार करू शकता.
चला जॉईंट लोनचे फायदे आणि तोटे पाहूया.
जॉईंट होम लोन म्हणजे काय?
विवाहित जोडप्यांसाठी जॉईंट होम लोन हे निवासी प्रॉपर्टी खरेदी करण्यासाठी किंवा बांधण्यासाठी पती आणि पत्नीद्वारे संयुक्तपणे घेतलेले हाऊसिंग लोन आहे. दोन्ही पती/पत्नी लोन परतफेड करण्याची जबाबदारी शेअर करतात आणि पात्रता निर्धारित करताना लेंडर त्यांच्या एकत्रित उत्पन्नाचे मूल्यांकन करतो. ही व्यवस्था जोडप्यांना जास्त लोन रकमेसाठी पात्र होण्यास, स्पर्धात्मक व्याजदर ॲक्सेस करण्यास आणि मालकी शेअर आणि लागू टॅक्स कायद्यांच्या अधीन वैयक्तिकरित्या टॅक्स लाभ क्लेम करण्यास मदत करू शकते.
तसेच, वाचा –नवीन घर खरेदीदारांसाठी होम लोन विमा लाभ
जॉईंट हाऊसिंग लोनचे लाभ
#1 Rebate on interest rates and easy repayment
Most lenders offer lowered interest rates for women co-borrowers. Besides, in a joint loan, you can easily share the repayment burden with your co-applicant. So, your EMI obligations weigh less on your individual incomes.
But that’s not all! 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 टॅक्स लाभ
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!
तसेच, वाचा –होम लोन प्रीपेमेंट म्हणजे काय आणि ते कसे काम करते?
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.
तसेच, वाचा – जेव्हा होम लोन कर्जदाराचा मृत्यू होतो तेव्हा काय होते
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.
निष्कर्ष
Joint housing loans are pretty attractive, considering the host of benefits they offer. Whether you are applying jointly or individually, get hassle-free housing finance with Tata Capital. Get extended loan tenures and the most competitive home loan interest rates, starting at 6.90%.
Evaluate your loan eligibility and apply today!
सामान्य प्रश्न
जॉईंट होम लोन पात्रतेचे मूल्यांकन सर्व सह-अर्जदारांच्या एकत्रित उत्पन्न, वय, क्रेडिट स्कोअर आणि रिपेमेंट क्षमतेवर आधारित केले जाते. शेअर केलेल्या फायनान्शियल क्षमतेमुळे जॉईंट होम लोन ॲप्लिकेशन्सचे प्रमुख लाभ म्हणजे जास्त लोन पात्रता.
होय, लेंडरच्या पॉलिसीनुसार पालक, मुले किंवा भावंडांसह जॉईंट होम लोन घेतले जाऊ शकते. सर्व सह-अर्जदारांनी जॉईंट होम लोन पात्रता नियमांची पूर्तता करणे आणि प्रॉपर्टीचे सह-मालक असणे आवश्यक आहे.
सर्व कर्जदार रिपेमेंटसाठी संयुक्तपणे जबाबदार आहेत. जर एक अर्जदार डिफॉल्ट असेल तर इतरांनी ईएमआय कव्हर करणे आवश्यक आहे, जे जॉईंट होम लोन व्यवस्थांचे लाभ असूनही क्रेडिट स्कोअरवर परिणाम करू शकते.
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 डिसेंबर 2025
6 मिनिटे वाचा
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