India, May 10 -- Planning to buy an apartment jointly with your mother this Mother's Day 2026 may be an emotional gesture, a tax-efficient investment or part of long-term succession planning. But while joint ownership can offer benefits such as higher home loan eligibility, potential tax advantages, and smoother inheritance planning, experts say buyers should carefully evaluate the legal, financial, and practical implications before signing the deal.

Real estate, after all, is a long-term commitment, and emotional decisions should still be backed by financial clarity, they say.

Tax deductions and home loan benefits are often among the biggest reasons families opt for joint ownership. But experts caution against allowing tax savings alon...