Home loan query

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Husband and wife are owners of the property and avail bank loan under whose name will they give loan?
Replies (3)
Earning partner..........
Both are joint owners
If both are filling return then it will be divided among them equally so any one
other wise tecnically the first holder if one is filling return
and if husband is only earning and loan is in his name and wife is not filling return then while filling return husband took the credit


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