income tax, income tax india efiling, incometaxindia, nsdl pan status, income tax return A home loan often means all the more caution with money management and monthly budgets. It also means some smart thinking on the part of the individual who is taking up the home loan. Apart from things like evaluating fund flow, future job prospects, negotiating a pay hike, understanding loan eligibility, maintaining a good credit score and getting the best interest rate in the market, one also needs to consider the possibility of opting for a joint home loan! Who can opt for a joint Home Loan? Banks insist that all co-owners of the home must be co-borrowers in a joint home loan. - One could team up with parents or the spouse to be able to maximize the benefits of a joint home loan. - Some banks allow brothers to take a joint home loan provided they opt to become co-owners of the property. The exceptions are sisters, friends or unmarried couples living together as most banks generally do...