Property on wife name

The next query to your query, Mr. Sara MJ said about the course of law.  See his query.

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To add your name as a joint owner to a property currently registered solely in your wife's name, you cannot simply add a name to an existing deed. It requires executing a registered Gift Deed transferring a 50% share of the property to you.

Banks require the titleholder (your wife) to be a borrower or co-borrower on the loan because the property serves as security/mortgage. Your wife will be the Primary Borrower (since she owns the property). You can join as a Co-Borrower / Co-Applicant. Banks actually encourage this because adding your income increases the total loan eligibility.

Complete the Gift Deed first so you are both co-owner and co-borrower before applying for the loan.

Repeated and very well explained / advised this query on 12.01.2026 at:

https://www.lawyersclubindia.com/forum/property-purchased-on-wife-name-238900.asp

not a legal question. he question relates to Banking business.

The question is become some ambigours. firstly the husband try to gift deed from wife or some portion of the property take into gift. then after common joint name with the consent of wife obtain loan in the name of husband. and wife become co borrower

The query suggests deeper issues. Please post complete facts.,