New Delhi, March 17 -- India's housing market is undergoing a profound behavioural shift: home purchases are increasingly becoming joint financial decisions.

Dual-income households are not only reshaping affordability but also redefining how lenders underwrite credit risk, price loans, and evaluate long-term repayment capacity.

For any couple planning to purchase a Rs.40 lakh home, the right combination of co-ownership and joint EMI structuring can transform the economics of homebuying-expanding eligibility, strengthening approval probability, and unlocking significant tax advantages.

As an industry, we are witnessing how informed structuring dramatically improves outcomes for borrowers. Here is a data-driven, practical roadmap for cou...