Скачать или смотреть Save lakhs on home loan

Many couples overlook the benefits of a joint home loan—but the advantages can be substantial.

Here’s what changes when you co-borrow:

👉 Higher loan eligibility
Two incomes = bigger loan approval = better property options.

👉 Lower interest rate
Most banks offer 5–15 bps lower rates if the woman is the primary borrower.

👉 Stamp duty savings
In several states (like Delhi), women get 1% lower stamp duty. On a ₹1 crore property, that’s a direct saving of ₹1 lakh.

👉 Double tax benefits
If both co-owners pay EMIs, each can claim:
₹1.5L deduction under 80C
₹2L deduction under Section 24(b)

A joint home loan is not just about financing—it’s about maximizing benefits, saving costs, and making ownership more efficient.

[home loan, joint home loan, joint home loan benefits, stamp duty savings, home loan tax benefits, higher loan eligibility, women borrower benefits, Section 24b deduction, Section 80C deduction, housing loan India]