Don't add your spouse in Home Loan as a co-applicant!!Watch this First!!!!

[@dhirajhegde1610]

क्या करें अगर BANK जबरदस्ती का home loan insurance बेचे toh??👇 kzbin.info/www/bejne/mXjPq4isgd2Ff9U

[@pianomasterandvloger4286]

Home loan me, Men Applicant pati loan ke hapte bhar raha ho. Aor Home loan co- Applicant patni he. Bank ne insurance dilavaya he. insurance me, men Applicant patni ko rakha he. Aor Co- Applicant me pati ( joint life) ko rakha he. Pati ki death ho jae to insurance policy claim pass hoga?

[@Ashish15Mathew]

My question: Suppose Wife is primary Owner, Husband 2nd owner. Both are Joint applicants in case of loan. In between the loan period or after loan fulfillment, if divorce or in any case of dispute. Who gets the house legally.!

[@gopalhegdefinancialservice5927]

Very well explained...Never thought from this angle

[@princepatel4419]

The way of explaining is Outstanding,Amazing, Mind-blowing, Fantabulous, Great, Insane,Fantastic.

[@baluniwas]

That's why term plan is necessary... If something happened to husband... Then no need to worry... Wife can pay whole home loan amount in single pay.. and remaining amount can be used for future

[@praveenb4701]

I'm just curious but nothing else condition I have faced. My question: Suppose Wife is primary Owner, Husband 2nd owner. Both are Joint applicants in case of loan. In between the loan period or after loan fulfillment, if divorce or in any case of dispute. Who gets the house legally.!!

[@amoldeshpande9146]

Very Informative content. Well explained the difference between Co-owner and Co-applicant.... Thanks for the Education....

[@himanshuchhetri3714]

bahut ache se smjhaya bhai aapne, thank you so much for this valuable information.

[@r.sharma8386]

M co applicant bni hu . Husband 302 i.pc. me jail me h . M loan ki emi nhi de paa rhi . Kisi tarah se kuch time ki liy isse rooka ja sakta h . Plz meri help kijiy

[@leoking6877]

Hi Dhiraj, I noticed you said I can take benefit of 2 lacs by deducting the home loan interest even if I am not co owner of property. Is it correct? As on another website it is written that I can't take the said benefit ifI am not co owner of the property.

[@vivekthakur9062]

We are not having healthy but my wife is insisting to go for housing loan

[@neelamnagvekar575]

You said correctly due to half knowledge many females are suffering. My mother in law is co-applicant in home. After my husband demise bank not cooperating to me. Can you please guide me🙏

[@prasannakummari8526]

My father and brother are acting as applicant and co applicant for home loan. After my father demise my brother is not able to pay the emi. Not even adding any other family member as co applicant. What action can be taken on such case.

[@ncpyatra4483]

मैं sbi से जॉइंट होम लोन ले रहा हूँ, एजेंट बोलता है, लोन एक नाम ही approve होगा, पर उनके खाते से EMI का शेयर deduct होगा, क्या उन्हें इनकम टैक्स rebate मिलेगी

[@nitinbet54]

mere chote bhai ne ghar liya tha toh mai co-applicant tha...jab maine ghar liya to woh co-applicant tha hum dono ko PMAY ka labh nahi mila.....please suggest on this how to get benefit under PMAY.

[@FireGamingOfficial24]

Nice and informative video :) Sir just want to ask if i can add co applicant to my existing home loan?

[@MonikaSharma-zx5ei]

I am facing domestic violence. Me and my children don't want to live with my husband. House is on my husband's name. And we don't have any place to go. As he has other properties also. We are asking for one property. But he is denying What should I do

[@lokeshteotia]

Very sad Monika ji, to hear about that take help of local police officer.

[@lifeishope9873]

Sir मेरा cibil स्कोर 650 है। पहले क्रेडिट कार्ड का सेटलमेंट किया था। क्या मैं अपनी wife के नाम से बैंक लोन land के लिए apply कर सकता हूं। लेकिन income proof मेरे होंगे और पेमेंट मैं करूँगा, Co- applicant बन कर। wife की कोई इनकम नही है। क्या हमें lund purchases लिए loan मिल सकता है।

[@bhairavkhune]

I have purchased a flat whose possession still not received..it is underconstruction. In this co owner is my wife on agreement. But unfortunately my wife has expired. Now I want to remove her name from agreement. Also I have applied for BT in other bank. That Bank demanding two documents. Legal heir certificate & release deed. Please suggest how to remove her name from agreement.

[@honeyslyf]

Hi Dhiraj, I purchased a flat and made my father the borower and me being the co applicant. Now our terms have changed and I don't want any of his interference in this property. My financials were used but the registry is in his name and I'm paying emi's. Can I claim on this property now or is it too late?

[@ishanksuryavanshi9829]

If I add my Spouse to my Home Loan as a Co-applicant. I take Home Loan Insurance as well. And if I die will the Insurance company will pay the Home Loan or will my wife will have to pay back?

[@vaibhavgurav506]

Great Video sir... Do we need to take term insurance for both? Or 1st applicant is enough??

[@carmelatauro2375]

Sir answer this please

[@kruthikareddy4233]

Bhai Mera father Ka name property he. 6 years back Mera elder brother surety De kar mortgage home loan liyahe (joint home loan). Ab Mera brother lone payment Karne keliye ready nahihe. Ab Mera father total loan amount payment Karke, house sale Karna chahatahe. Lekin bank vale keharahahe ki Mera brother jaroor rehana Chahiye loan total amount payment Karne keliye. Lekin Mera brother bank ko ane keliye satarahahe. Ab ham kya Kere. Loan Pre close Karne keliye ham ready he, lekin bank vale keharahahe ki (surety person) Mera Bhai ko akar loan clear Karetohi ham loan pre close karenge.

[@manisharathod4918]

Mera husband ke sath divorce ke baad unkehi sath Remerrege kiya fir ek makan joint property li,ab mere husband mujse firse divorce mang rahe he ,aur subsidyka form nahi bhara,aur muje mentally bahut herres.karte he...meri 8 year ki daughter he jo unke aur mere sath rehti heisliye me legally case bhi nahi kar sakti,,,aur hum alag rehte he..Pls give suggetion

[@manojaaku3212]

owner + CO-APPLICATE can apply under the PMAY scheme.

[@minaxisahu1191]

Hello sir ...nice vedio ... सर पूछना था ki agreement future me legal proof ho sakta h kya

[@gautambiswas1067]

My wife is not employee but owner of property. But husband is a govt employee. Can they apply for a SBI PMAY home loan?

[@maheshparmar554]

Sandeep if you ready to pay full amount of EMI ,I think no reagreement with bank nessasari.

[@Ferdinand..]

Can somebody be a co-owner without being a co-applicant ? Will the bank allow this ?

[@rinkubaishya1]

My wife is LIC Home Loan applicant and myself as Co-Applicant. We both are the owner of flat purchased through home loan. Bank loan is being repaid through wife's account.Can we both claim tax benefit?

[@rajashribhamare4570]

Hi sir. I don't want to change my name after marriage so I just have one question can we face any issues with the loan procedure if my name and husband's name is different

[@motivatuber6699]

My father and i took a joint home loan, and all the emi goes from my account only, but property is not on my name. How can i claim home loan tax exemption?

[@ajeyakalyani7541]

Can one claim tax benefit while he / she is a co-applicant and not a co-owner?

[@ranjeetaprajapati5701]

Hello sir 🙏 Need advice I'm in same situation as a wife, coapplicant in home loan with husband, only owner in property ( flat ) Disputes arises between us. Now what should I do.?

[@RajeevKumar-il9ub]

I have taken home loan of Rs 28 Lacs in joint account with wife whereas I(husband) is the sole owner of land. I Will be paying the whole amount of EMI., as I mean the only in earner. What will be pros & cons w. r. t taxation and in case of second home purchase by wife in future

[@kpsrathi4325]

Bhai samzaatey bahut acchey se ho... Kisi ko bhi samaz AA jaaye 👍

[@hamantmehta9776]

Sir co applicat income tax rebate milagi or nahi. In home loan Nice video .she is govt teacher.

[@abhinavandaryangaming]

MATA JI KEE NAM PAR JAMIN HAI OR UNKE DONO BETO NE MILKR HOME LOAN LIYA HAI TO INCOME TAX BENIFITS KYA KYA MILEGA

[@sarfarazansari8027]

M taking home loan co applicant will be my wife, but she will not contribute anything as she is house wife. So do I need to include her in my home loan ?

[@uclips644]

I'm taking a home loan where my mumma is a primary applicant and i'm a co-applicant . She is a home maker and i'm govt.employee so how can i save my income tax or whatever pros and cons u can tell me please tell, thankyou !

[@shuvanilmukherjee1595]

Sir very good explanation. I would like to know that if a deed is mortgage in Home loan can we again registered/gift deed in another' name .

[@pravinjadhav8781]

Thanks a lot for the video.. Can you provide the draft of agreement between husband and wife for future security as you mentioned in the video.

[@carmelatauro2375]

Even I need this

[@ritithakur3502]

Sir mera meri mummy ke sath joint home loan hai, mummy owner hai property ki or mein co -applicant hun. Meri Mummy widow hain unki ek chhoti se shop hai.Mein govt employee hun, unmarried hun, mummy mere uper depend hain. Kya mein home loan mein interest benefit le sakti hin

[@vijayapatil4901]

Sir, husband and wife has got property in joint name, loan also jointly. Though wife is earning, she is not contributing at all, husband is paying instalments Now we are seperating, how much share i get as a wife??

[@poojamourasia5078]

Hello sir ... I watched your video recently... I got married last year but mere husband and in laws bahot greedy hai money property k liye.. i am government employee sir nd abhie tak maine apne service record mai apne mother side ka hi surname rakha hua hai aur na koi marriage certificate banayi hai.... mai flat lena chahti hu house loan le kar...aur apne husband ka naam kisi bhi way mai include nhi karna chahti aur apni mother k name par lena chahti hu..toh sir kya mai le sakti hu .????? Please iska koi safe way bataiye sir ki mere husband ka naam mere property mai aaye hi na nd mai mother k name par le kar tax benefit bhi le saku.....

[@churabhok2869]

Thank you!...very well explained!....Sir agar co-applicant is not showing income....does bank do Cibil check on co-applicant as well?

[@dhirajhegde1610]

Yes!!irrespective weather earning or not bank does a CIBIL check for all the applicants

[@biswajitdutta3306]

If my spouse has no income, and I make her co-applicant and co-owner as well, but EMI will be paid by me only, then can tax benefit on home loan can be availed by both or only by me ?

[@govindram34]

सर मेरा होम लोन बैंक ऑफ इंडिया से ले रखा था जो पूर्व में प्रॉपर्टी मदर के नाम से थी उस समय में को अप्लीकेंट था मदर गार्ंटर थी अब प्रॉपर्टी मेरे name se h वो भी बैंक में जमा h or bank टेक ऑफ लोन को नही कर रही h

[@roseAD398]

Sir my husband and me applied for home loan as co-applicant as he promised me like both we will be the owners,later I heared by dealing staff at Lic HFL (Kaushambi , Ghaziabad,UP )like he has no relevant income and I am a gvt employee ,So they made files like me as first applicant. Later he registered property by his name without my knowledge.after 10 days later , I realised property already registered and I saw only his name on it. Bank gave 35 lacs draft straight to him without my knowledge and he and registrars and lawyers at Ghaziabad registrar office ,Uttar Pradesh and court done that registry without my presence.So please tell me where should I complaint first and when My Emi can stop for this property.

[@lokeshteotia]

Aap husband ke saath nahi rehna chahti ho kya?

[@rahultiwari6782]

hi sir, I was a co-borrower in my dad's loan for 2 tata Hiva and excavator and a HDB finance did not give any insurance and my dad passed away . it was 3 years loan and after he passed away I paid for 1 more year sum total paid for 2 years. sir now my business is not good and I have become a defaulter due to nonpayment of the loan . sir what can I do and be secured of it. The total amount to be paid now is 35 lakhs. please guide me.

[@kirtiarneja9589]

If a home loan is taken by only son for construction on mother owned land. Son is a co borrower can he also be considered for owner in future?

[@sreedharmerugu3334]

Sir, Thank you for sharing most important information. I need your suggest to remove co-applicant from agreement and home loan due to there is some issues between us, so pla guide me on this

[@dhirajhegde1610]

Dear sreedhar pl refer the below link.www.bajajfinserv.in/how-to-remove-co-applicant-name-from-home-loan

[@pareeksha2182]

I had booked a flat by name of me and my father and i got the possession letter with name of me and my father, registry is still pending now we want to register the flat with my name only. What is the procedure and how much expenditure...?

[@ratwithmice]

My wife's cibil is good , she applied for home loan but my cibil is only 618 with some sattelment. She is capable for repayment, so what can I do? Bank asking for my pan number.

[@VipinKumar-pl8uh]

Very useful information. Thanks....

[@vijay80563]

Sir mere father mere home loan me co applicant the unki death ho gyi Insurance company bol rhi hai hum first applicant ki death me claim dete hai co applicant ke death per nhi... It is legal Or not sir Please reply as soon as thanks in advance..

[@devupendra9511]

I R D A

[@meramittu8311]

Fir kya hua apke loan ka?? Kya apne loan pay ki??

[@durgeshtiwari9082]

nice explain but one question from my side that if primary holder cibil is very good but second holder cibil is not good than waht can probability to take a loan by bank or fianancial instutions.

[@dhirajhegde1610]

Dear Durgesh jee I am happy to know that you have liked the video😊 If the co-applicants CIBIL is not good then the bank may sanction your loan but you may miss on the following benefits Lower rate of interest - If your co-applicant has a good CIBIL credit score, your loan application is more likely to get faster approval along with a lower rate of interest. Improved eligibility - Your eligibility for loan approval is greatly increased with a co-applicant who has a good CIBIL score. Thus it is important that the second applicant too should have a good CIBIL score Please consider to subscribe for more updates.Thank you

[@kishu_k03]

Sir mere mummy p papa ka joit account h or .. property mummy k name p h papa ne 15 lakh ka lon le liya jisme se 5 lakh toh ab Tak h bhr diya par ab 10 lakh or bharne h par papa nhi bhar rhe h .😢 5 month se .. kist 16000 aati h wo me or mummy nhi bhar pa rhe h .. papa gaw chle gaye h account joit h toh bank ne kist kam krne se bhi mana kr diya Bina papa k sin k kist bhi choti nhi ho sakti or documents bhi nhi degi ... Charo tarf se fase hue h ese me hum kya kre sir property ko beche toh bhi bank documents nhi degi usme bhi papa k sin chhaiye 😢😢😢 please 🙏 sir koi rasta bataiye

[@vaishnodevi30]

Sir Mera ek joint home loan tha mere husband ke sath , lekin abhi divorce ho chuka near about 4yrs ho gaye hain separate huye aur mai as a co applicant se apna naam hatwana chahti hun uske wajah se meri cibil kharab ho rahi hai plz guide me aise me kya kar sakti hun kyunki mujhe ab loan lene me dikkat ho rahi hai

[@Jdcrusader]

Hi.. can u pls advice ..in case of divorce.. will I be liable to pay for my husband's loan ⁉️

[@jokerjoshi1305]

Very Well Explained. But My Question Is That I Am An Married Man And Taking Home In The Name Of My Mother, Then I Will Eligible For CLSS Subsidy..?

[@dhirajhegde1610]

If you are a co-owner and co-applicant then you are eligible to claim the same provided if you meet the necessary criteria needed to be eligible for claiming the benefits

[@AnnuShreevlog]

मेरे जेठ जी को applicant हैं क्या उनके नाम पर भी रजिस्ट्री करानी होगी

[@rochakjain904]

सर पिता जी शांत हो गये हे मोरगेज लोन जो हे पिता जी के नाम से लेकिन उसमें इंशोरेस मेरे नाम से तो क्या वो लोन माफ़ हो जायेगा ???

[@jayvantpatil7910]

Joint इन्शुरन्स लेना chahiye life insurance

[@premilymathews7725]

Hii sir ....a very informative message.Thank you sir.

[@dipakojale1430]

NOI is mandate in spite registration process is already completed in register office? SD and regn already paid and completed. Thanks

[@rajivsharma9526]

Sir mere father or mother ne joint home Loan liya hai or sath me home loan insurance Liya hai agar mere father Ki death ho jati hai to Kya mummy ko loan pay karna padega

[@dhirajhegde1610]

Nahin bharna padega!!

[@tareshmalviya]

Thanks for valuable advise.. if wife is JT holder in property what impact

[@CosmicHealingCafe]

नमस्कार सर् क्या बेटे की प्रॉपर्टी मैं पिता लीगल हेयर होता है बेटे की डेथ के बाद। वो प्रॉपर्टी पिता ने बेटे को ट्रांसफर की थी

[@alokechatterjee4245]

To Hegde Investment Academy -- Please give details guide lines for the benefit if mother and only son will become co-owner, then are both of them will get their IT facilities( that means double facilities) or not?

[@dhirajhegde1610]

Yes!!!in the case where both co-owners are co-applicant too in the home loan then they both can claim tax benefit upto 7Lakhs combined as per the ratio decided

[@aman-no5te]

If I have Insurance on Loan Applicant, And he died then co-applicant will have to pay loan? Provided no insurance on Co-applicant Or loan will be gone

[@vijayshinde6243]

Very important information....thanks sir

[@vikramshekhawat7163]

Sir mera paypas surgery huwa hai abhi or mene or meri wafe ne milke home loan liya hai to kuch ho sakta hai kya

[@creativecornersunitarai3752]

Sir maine aur husband ne ek flat book kiya wo Co applicant the onki death hone k baad ghar ki registry nhi de raha builder aur home loan ki EMI staring se he mere account se jata hi bahut pareshan hoon please help

[@chetnajoshi2616]

Sir.. can my mother in law become a co applicant if I take loan since credit score of my husband is low

[@dhirajhegde1610]

Hello chetna, Sorry for the delay! Well there'll be no issue if your mother in law joins you as a co-applicant. Bank will not be keen to check weather the co-applicant is a co-owner or not but it will definitely insist all the co-owners to be co-applicant. Hope this answers your query

[@bhagawatiprasadsrivastava8480]

If in house property ownership in the name of mother ,father & son are co- owner & Son is only earning member then in house loan only son can be applicant who have a term insurance policy also more than the total house loan.son is income tax payer.in this case parents co applicant is necessary as per bank rule?

[@Ramawatcreationofficial]

I have not gave of my mrs. any documents to bank for co applicant but the add his name in my home loan account as a co applicant.....how I should remove this co applicant name in my bank loan account,but I didn't write her name in my property registration agriment

[@tejaseducational1407]

Hi sir nice information....I hv one question my husband is co-applicant only he is main borrower so hw to make co-owner?

[@Emojar]

Hi Sir. What will be the procedure of dislodging the joint home loan

[@nageshshetty5429]

Recently I took a home loan and added my mom as co-applicant only for PMAY subsidy. Also took an insurance on it. God forbidden if anything happens to me then the entire burden will come on my mom because she is listed as co-applicant. I agree it depends upon the insurance company whether to approve or not. So, is there anyway where my mom shouldn't b burden on it. Else, do I need to remove my mom from co-applicant 🙏🙏🙏

[@dhirajhegde1610]

Hey nagesh, I acknowledge your concern but removing her as a co-applicant will not be allowed after claiming for PMAY..Insurance is the only way through which you can cover this risk..You can consider to buy a term plan (which will act as a additional cover keeping her the nominee just to be double sure about it)An online term plan will not cost u much

[@kundu1818]

I am not co-owner in the property. but in loan account I am co-applicant. Can I take the benefit of tax rebate in incometax..

[@gauravkulkarni6937]

Hi Dhiraj, your video is quiet helpful but I need to know from you is, If my Spouse is a co-applicant, what are the benefits of making her a co-owner as well? And if you please suggest me a nice online term plan or shall I go with LIC term plan???

[@dhirajhegde1610]

Hi Gaurav Thanks!!Co-owning a property can be beneficial for married couples because if one of the partner dies, the surviving spouse automatically becomes the sole owner of the house. ... However, if you want to extend this and add the person as a co-owner, the lender might be more selective about letting you do so.For term plan you may consider SBI's Smart Shield or HDFC's Click to protect.But before buying a term plan ensure that u get your need analysis done properly so that u may end up saving more money

[@shibasishroychoudhary8981]

Sir i m railway employee & my wife is in government undertaking bank employee, can we take a home loan on my wife end as (jointly) she is in government bank Or independent loan I should take please give me some suggetion. I m eating eagerly for yours end answer

[@ANILKUMAR-qb9fc]

Hi sir , recently maine home loan liya hai , ab main insurance lena chahta hu . Main confused hu ki bank se insurance lu ya term plan lu. Dono ke benefits same rehte hai,at the time of Mishapneing. Please suggest me . thankyou

[@dineshbarot9332]

Abhi corona ki vajah se me home morgage loan ke emi bhar sakta nahi hu...bank wale ne muje notice bheji he aur ab bank wale kahte he ki hum aapke ghar par notice ane banner lagaenge to please me ab kya kar sakta hu...Thx...

[@dhirajhegde1610]

kzbin.info/www/bejne/iKa1o3pqerJ6hLs

[@madhuripawar5781]

Dono ke nam pe Ghar hoga to woh co applicant ko gharse nikal nahi shakta na legally?

[@PRAMODKUMAR-zs3yh]

Good afternoon sir. I have a home loan from HDFC Bank and my wife, in-laws are co-applicants for above loan.Iam a central government employee.if I got any kind of income tax exemption..my department rejected my loan statement,as there is many co applicants in this loan.what can I do,sir.thanks.

[@mahakkhan2942]

HDFC k process kya hai

[@waseemaali6179]

Hiii Good morning sir Me and my husband have done joint registry and have home loan on it. How to take a term plan on it? If the topic of incidents comes in future, what will be my responsibility, please tell.

[@vijaykumarnadar8633]

My wife got separated with me she not given divorse and she is co applicant in agreement as well as on HL, kindly suggest how to remove her name from the agreement....?

[@jyotijoshi334]

I want to know does ur wife was earning?

[@prashantsir8417]

Co applicant ki jarurat kya h jab loan insurance compulsory h

[@कोल्हापुरीकट्टा-ठ7ग]

Applicant mother and co applicant son then we will get home lone

[@sunilprince6461]

My cibil score is 772 so can i enter solely in the loan.?? My annual income is 498000. Dont have any single loan in my account

[@dhavalparihar6651]

मेरे पति शान्त हो गये है , रजिस्ट्री कम्बाइन थी अब बच्चों का नाम है,दो बेटियां बालिग है बेटा नाबालिग है कोई रास्ता हो होम लोन का तो बताऐ

[@pokedub02]

सर जमीन पति के नाम पर है और मैं कोएप्लिकेन्ट हूँ लोन किस्त मेरे एकाउंट से कटता है तो क्या घर पर मेरा अधिकार बनता है

[@shubhamrathod3377]

Hello sir, agar applicant home loan EMI pay kar raha & Co-applicant ki death ho jati he..to kya home loan maf ho jati he?

[@thecodingflight]

if husbands death occur the co owner & co applicant is wife then home is automatically trsnfer to wife????

[@aaqueebkhan]

Sir agar home loan chal raha ho aur wife assure na ho future ke relation ka lekar like unfortunately kahin divorce ya husband ki demise ho jaye to waise mein agar wife chahe ke jb loan clear ho to whole property uske naam se automatically ho to uske liye kaun sa agreement banwana hoga taki wife safe side pe ho jaye aur use kisi bhi tarah ka loan repay na Krna pade. Kindly batayein mujhe. 🙏

[@metaldetector5465]

Sir mene home lone lya tha . Property wife ke name pr thi. Or home lone mere name se h. Divorce ho sakta h. To emi pay krne me mera nuksan h . Property ke onwer wo log bane hue h. Merko home lone bharne ke lye force kr re h . To me kya kr sakta hu .? Or Property me mera investment wapis mil sakta h kya ?

[@sushantmangale1154]

Shadhi nhi hogi to... n mom dad ghar pe hai job nhi karte to..... mom ya dad ko co-applicant banana sahi hai

[@jsanjayb]

सर होम लोन में से को-एप्लीकेंट का नाम कैसे निकाल सकते है? ज्वाइंट प्रॉपर्टी के होम-लोन में से को एप्लीकेंट का नाम निकल सकता है क्या?

[@princepatel4419]

Dhiraj ji can you please share which term insurance will be best suitable along with home loan.