Husband or wife, who is more suitable to avail home loan?

As already given you the notifiaction link in one of your other queries still here's the link I am posting again, please have a look for all the details.

https://rbi.org.in/scriptts/NotificationUser.aspx?Mode=0&Id=9092

Frankly it depends upon whose tax bracket is on lower rate or unutilised, if both are same you may go for any of those two.