I would like to take a home loan jointly with my wife. In this my wife will be the main applicant and I will be the co applicant. Me and my wife both are salaried employee. As per bank we are eligible to get the required loan (15 % extra than we expect).
My salary is regular and on time. My problem is that, as my wife working in an educational organization, there is a salary problem every year from Jan to May. Means she get Jan to May salary at the end of May only. For rest of year there is no salary issue for her. Please let me know can bank deny the loan to me? What else I can do to get the loan?