Yes, many lenders allow a spouse as a co-applicant, which combines both incomes for a higher loan eligibility and improved repayment capacity. For example, a ₹40,000 salary combined with a spouse's ₹30,000 salary gives a joint income of ₹70,000/month, and the lender evaluates both applicants' income, credit scores, KYC documents, and financial obligations together.
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