Tax benefit claim on joint housing loan

Dear Members,

This is in regard to claim of  tax exemption on hosuing loan in joint names. I and my wife are co-owners of a property and it was financed through housing loan from HFC. We both are salary income assessees and would like to avail the tax benefit in equal propotion from our respective employers. How should we go to claim the benefit of tax as the HFC  is issued total tax exemption certificate duly mentioned both of the names. 

Secondly as far as concerned the EMI Payment which is deducting the full amount  from  the bank account  of one of the borrower for the whole year. Is it necessarry to make the payment of EMI from the co borrower's bank account itself to claim the tax exemption in his/hers tax account. In practicality the bank take ECS mandate from one  bank account only even in the case of joint borrowers. Kindly advise how to tackle the issue with respective employers as they are objecting to consider for the equal amount in both the account.

In addition to the above information, the co-borrower transfer/deposit a fixed sum of rupees ( not exact equal amount of EMI, more than that)  in the bank account of other borrower in every month. Please advise on the issue.

Thanks

RKP Nair