The Home Loan process can sometimes be overwhelming, especially if you are new to the credit world and lack a credit score. In such cases, a joint Home Loan can be a great option to consider because it permits splitting of the Home Loan with someone of a better financial standing. Let us understand how joint Home Loan works, what are its benefits and why you can consider it.
Top Benefits of Joint Home Loan
It always helps to have a bit of support when applying for a loan. The same holds true when you apply for a Home Loan. Here are some of the major benefits of a joint Home Loan:
Higher Sanctioned Home Loan Amount
The best and most obvious advantage of availing of a joint Home Loan in India is that you stand a chance of getting a sizeable loan amount sanctioned. This becomes possible since the lender considers two incomes instead of one for the same application. So, a borrower no longer needs to worry about having to compromise on their ideal home due to a shortage of funds. You can raise your budget and go for property you want in the locality of your choice. After all, buying a home is a once in a lifetime decision for most aspiring homebuyers.
Easier Home Loan Repayment
When you have a co-applicant in your Home Loan, the responsibility of repaying the housing loan is shared between two individuals. So, the financial burden of heavy EMIs isn’t shouldered by one person alone. The fact that two individuals, instead of one, are responsible for repaying the loan gives peace of mind.
Also Read: Is a Co-Applicant Mandatory for Home Loan?
While a close family member or your spouse may agree to help with a Home Loan that is in your name, registering them officially as a joint applicant can make them more responsible toward paying EMIs with you on time as it is going to enhance their credit standing as well.
Moreover, if you have a financial co-applicant to apply for a Home Loan, you may even be able to repay your Home Loan sooner. Since you have two incomes to pay the loan instead of one, you can opt for a higher EMI outgo each month. So, instead of taking a 30-year tenor on your Home Loan, you can opt for a lower tenor, such as 20 years or less. With a shorter tenor on your Home Loan, you are expected to save funds that would’ve otherwise been spent on repaying the Home Loan interest associated with a relatively longer tenor.
Greater Tax Benefits
Both the co-applicants can enjoy separate tax benefits on the same housing loan. The Home Loan principal and the interest are eligible for Home Loan tax benefits. The Joint Home Loan tax benefits are permitted under section 80C of the Income Tax Act. However, it’s important to note here that the co-applicant/co-borrower of the loan must also be a co-owner to avail of tax benefits.
Who Can Co-Apply for a Joint Home Loan?
A close relative can easily be added as a loan co-applicant in case of a joint Home Loan for more enhanced loan eligibility. A close relative need not be the co-owner of the property. Other than that, a close relative can be added as a loan co-applicant, if person is the co-owner of the property.
The co-applicant for a joint Home Loan can also be a non-resident Indian (NRI).
Whose Credit Score is Used in a Joint Home Loan?
When you avail of a joint Home Loan, your lender will look at the credit score and credit history of all the applicants that will be on the loan. Since the credit of the individuals involved will impact the loan you qualify for, it can be detrimental if you or the other individual you're applying with has a poor credit score.
A joint Home Loan approval is based on all parties' complete financial and credit information.
Additional Read: Can I Apply for a Second Home Loan?
How to Check Eligibility for a Home Loan?
You can easily check your eligibility for a Home Loan online. There is a one-of-a-kind tool known as the Home Loan Eligibility Calculator that can help understand how much funding you qualify for. The tool is free to use and simple to operate. All you need to do is enter some basic details into the tool to have a fair idea of your eligibility. The details will include the following:
- City of residence
- Date of birth
- Monthly income
- Monthly obligations
Once you fill in these details, you will be able to see a window to the right displaying your loan eligibility amount. Do keep in mind that the ultimate decision on your Home Loan will also depend on other factors, such as your age, credit score, and existing liabilities. Your co-applicant’s details will also be taken into consideration.
Final Thoughts
It is advisable to close other major loans before applying for a Home Loan. The same is applicable to the co-applicant as well. Also, use a Home Loan EMI Calculator to get an estimate of EMI outgo before applying so that you are never in a situation where paying off the loan becomes a burden.
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan