deduction u/s 24(b) for interest on loan very urgent

The assessee should hold a written representation from his spouse stating that she does not claim any interest and principal on behalf of that property. In such cases the assessee can claim the entire amount.

In other words the assessee can claim the deduction if the same has not been claimed by his spouse

In this type of cases , i.e joint house loans .it is seen that exemption is taken by only one person , either of the party .Hence , If husband wants to take  full exemption , he can take as clear interpretation of law

hi absolutely he can claim property name of the one person and loan is jointly it is not affected however. Your are only the IT Assessee means it is not problem,  but his wife also the IT Assessee means both are equally claim the Interest as well as Principal. subject to condition nor he only declare the Income from House property whether it is let out  or self occupied than he is eligible to claim Entire housing loan  interest and principal