If you are planning to go for a joint home loan, a co-applicant can apply for it along with you. The co-applicant must be a blood relative, such as a son or an unmarried daughter. Two brothers can apply for a joint home loan, but the combination is not allowed in the case of a sister-brother or sister-sister. On the other hand, a joint home loan can also be applied by a husband-wife, father-son, or mother-son combination. Co-applicants who apply for a house loan at the same time as the main borrower bear joint responsibility for loan repayment.