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Spouse as Co-applicant for home loan, but not having Marriage certificate.

Hi Guys, I am facing a problem, i have applied for home loan, with co-applicant as wife, but the problem now I am facing is regarding the name of my name, she is having her surname as her old one in all the documents, and also I do not have marriage certificate as of now.

As I am in hurry for my home loan (else the builder will charge extra interest, if the loan disbursment gets delayed), so I can not wait for the marriage certificate to come.

Someone told me that I can affix an affidevit on this behalf that She is my wife and i want to make her as co-applicant in for home loan for xyz property. I searched over internet, but could not find any specific format for the same.

Can anyone help on this?

Thanks.

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