Yes you generally can apply for a joint home loan with your non-working wife. Having a working income for both borrowers helps, but most lenders allow a spouse to be a co-applicant even if they have no income.
Spouses are among the acceptable co-applicants for joint home loans, along with other close family members.
Even if the wife is non-working (i.e. has no income), many banks/HFCs permit her to be a co-applicant though in that case, only the earning spouse’s income may be counted for loan eligibility.
Being a co-applicant still makes her liable for repayment; both co-borrowers share equal legal responsibility, irrespective of whose income is used.
Loan eligibility & amount will depend mostly on the working spouse’s income. The lender may not factor in the non-working spouse’s financial contribution.
Even though she doesn’t earn, your non-working wife will still be equally responsible for EMIs. If repayment fails, her credit history may be affected.
If the property is jointly owned (both names on the registry) and both are co-borrowers, both spouses may claim deductions under relevant sections though actual benefit may depend on contribution and lender policy.
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Can I Apply for Joint Home Loan with Non Working Wife?
ruchi
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2025-11-27T06:53:35+00:00 2025-11-27T06:53:37+00:00Comment
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