{"id":25659966,"date":"2026-09-15T17:05:54","date_gmt":"2026-09-15T11:35:54","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25659966"},"modified":"2026-09-15T17:07:22","modified_gmt":"2026-09-15T11:37:22","slug":"what-happens-to-a-joint-home-loan-if-one-borrower-dies","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/","title":{"rendered":"What Happens to a Joint Home Loan if One Borrower Dies?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6aa94310e4800\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6aa94310e4800\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#What_is_a_Joint_Home_Loan\" >What is a Joint Home Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Does_the_Loan_End_if_One_Borrower_Dies\" >Does the Loan End if One Borrower Dies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Who_is_Responsible_for_Repayment_after_Death\" >Who is Responsible for Repayment after Death?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Role_of_Home_Loan_Insurance\" >Role of Home Loan Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#What_Happens_to_the_Property_Ownership\" >What Happens to the Property Ownership?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Steps_to_Take_if_a_Co-Borrower_Dies\" >Steps to Take if a Co-Borrower Dies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Can_the_Loan_be_Transferred_or_Restructured\" >Can the Loan be Transferred or Restructured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Top_5_Tips_to_Protect_Your_Family_from_this_Situation\" >Top 5 Tips to Protect Your Family from this Situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/what-happens-to-a-joint-home-loan-if-one-borrower-dies\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>A joint home loan does not end if one borrower dies. It is the surviving borrower who must continue to repay the loan.<\/li>\n<li>The bank can ask the surviving borrower, legal heirs, or a guarantor to clear the dues.<\/li>\n<li>Suppose there is a co-applicant insurance policy, the loan may get settled by the insurer.<\/li>\n<li>Legal heirs get ownership rights in the property, but only after the loan is repaid or settled.<\/li>\n<li>Having proper documents, a will, and loan insurance can make this situation much easier for the family.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a style=\"text-align: center;\" href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Buying a home is a major decision in one\u2019s life. Several families go for a joint home loan to buy their dream house. Two people share the loan and they also share the EMI burden. However, life is unpredictable.<\/p>\n<p>Have you ever thought about what happens if one of the borrowers passes away? This question worries many families. It is important to understand the rules. This blog explains, in simple words, what happens to a joint home loan if one borrower dies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Joint_Home_Loan\"><\/span><strong>What is a Joint Home Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25659968 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332.webp\" alt=\"Joint Home Loan\" width=\"500\" height=\"451\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332.webp 1240w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-300x271.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-1024x925.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-768x694.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-150x135.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-750x677.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/6179-e1789471376332-1140x1030.webp 1140w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>A joint home loan is a loan taken by two or more people together. Usually, it is a husband and wife, or a parent and child. Both borrowers sign the loan agreement.<\/p>\n<p>Both are equally responsible for repaying the loan. Banks prefer joint loans. They reduce the bank&#8217;s risk. If one person cannot pay, the other person is still liable.<\/p>\n<p>This is exactly why the question of <strong>\u00a0joint home loan death of co-borrower<\/strong> becomes so important. When one borrower dies, the responsibility does not simply disappear.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_the_Loan_End_if_One_Borrower_Dies\"><\/span><strong>Does the Loan End if One Borrower Dies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No, the loan does not end. This is a common myth and many people think that death cancels the loan. However, that is not true.<\/p>\n<p>The bank still wants its money back. The joint home loan death of co-borrower situation means the loan liability shifts to the survivor.<\/p>\n<p>The surviving borrower must continue paying the EMIs. If the survivor stops paying, the bank can take action. This includes penalties, and even recovery of the property.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_is_Responsible_for_Repayment_after_Death\"><\/span><strong>Who is Responsible for Repayment after Death?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let us break this down into simple parts.<\/p>\n<h3><strong>1. The Surviving Co-Borrower<\/strong><\/h3>\n<p>In most cases, the surviving co-borrower becomes fully responsible for the loan. This is true even if their income share was small at the time of loan approval. The bank does not care about the income split. It only cares that the loan is repaid.<\/p>\n<h3><strong>2. Legal Heirs<\/strong><\/h3>\n<p>Sometimes, the deceased borrower was the main earner. The surviving co-borrower may not be able to pay alone. In such cases, banks can approach the legal heirs of the deceased person. Legal heirs include children, parents, or other family members named in a will.<\/p>\n<p>Legal heirs are not always required to pay unless they wish to keep the property. But if they want to inherit the house, they must clear the outstanding loan first.<\/p>\n<h3><strong>3. Guarantor, if Any<\/strong><\/h3>\n<p>Some home loans have a guarantor. A guarantor promises to repay the loan if the borrower cannot. If there is a guarantor on the joint home loan, the bank may ask them to step in and pay the dues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Role_of_Home_Loan_Insurance\"><\/span><strong>Role of Home Loan Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many banks offer loan insurance along with the home loan. This is called a credit-linked insurance plan. It is a smart way to protect the family. If the borrower who dies had taken this insurance, the story changes completely.<\/p>\n<p>In this case, the insurance company pays off the remaining loan amount. The surviving co-borrower does not have to worry about EMIs anymore. This is one of the best ways to handle a joint home loan death of co-borrower situation smoothly.<\/p>\n<p>Sadly, not everyone opts for this insurance. Some borrowers skip it to save a small premium amount. This can create a huge financial burden later. It is always wise to take loan insurance when signing a joint home loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_to_the_Property_Ownership\"><\/span><strong>What Happens to the Property Ownership?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25659969 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996.webp\" alt=\"Joint Home Loan\" width=\"475\" height=\"235\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996.webp 2560w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-300x148.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-1024x507.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-768x380.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-1536x760.webp 1536w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-2048x1014.webp 2048w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-150x74.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-750x371.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/09\/7416539_4776-scaled-e1789471445996-1140x564.webp 1140w\" sizes=\"auto, (max-width: 475px) 100vw, 475px\" \/><\/p>\n<p>When it comes to the ownership of the house, it depends on how the loan agreement and property papers were written.<\/p>\n<ul>\n<li>In case the property was jointly owned, the surviving borrower usually gets full ownership. But this also depends on local succession laws and any will left behind.<\/li>\n<li>If there is no will, the property follows succession laws applicable to the deceased person&#8217;s religion.<\/li>\n<li>All legal heirs may have a claim on the deceased person&#8217;s share of the property, not just the surviving co-borrower.<\/li>\n<\/ul>\n<p>This is why the joint home loan death of co-borrower issue is not just a banking matter. It is a legal and family matter as well. Clear documentation helps avoid disputes in the future.<\/p>\n<p><span style=\"color: #333333; font-size: 15px;\"><div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\"><\/span><\/p>\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download PERSONAL FINANCE course roadmap<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Take_if_a_Co-Borrower_Dies\"><\/span><strong>Steps to Take if a Co-Borrower Dies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is a simple step-by-step guide for families facing this situation.<\/p>\n<ol>\n<li><strong>Inform the bank immediately.<\/strong> Share the death certificate with the lender.<\/li>\n<li><strong>Check for loan insurance.<\/strong> Find out if the deceased borrower had a credit-linked insurance policy.<\/li>\n<li><strong>Talk to the bank about repayment options.<\/strong> Ask about restructuring the loan if needed.<\/li>\n<li><strong>Collect legal documents.<\/strong> This includes the will, succession certificate, and property papers.<\/li>\n<li><strong>Consult a lawyer if required.<\/strong> This helps avoid confusion between legal heirs.<\/li>\n<li><strong>Continue paying EMIs on time.<\/strong> This protects the credit score and prevents penalties.<\/li>\n<li><strong>Update property and loan records.<\/strong> Once the matter is settled, update all ownership documents.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Can_the_Loan_be_Transferred_or_Restructured\"><\/span><strong>Can the Loan be Transferred or Restructured?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, in many cases, banks allow the loan to be restructured. The surviving borrower can ask for a longer tenure. This reduces the EMI amount.<\/p>\n<p>Some banks also allow adding a new co-applicant. This could be another family member. Adding a co-applicant can improve loan eligibility, especially if the survivor&#8217;s income alone is not enough.<\/p>\n<p>Every bank has different policies. It helps to speak directly with the bank&#8217;s home loan department. Ask them clearly what options exist for a joint home loan death of co-borrower case.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_5_Tips_to_Protect_Your_Family_from_this_Situation\"><\/span><strong>Top 5 Tips to Protect Your Family from this Situation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is a fact that nobody likes to think about death. However, planning ahead protects your loved ones. Here are some simple tips.<\/p>\n<ul>\n<li>Always opt for home loan insurance when taking a joint loan.<\/li>\n<li>Write a clear will mentioning property and loan details.<\/li>\n<li>Keep all loan documents organised and accessible to family members.<\/li>\n<li>Inform your family about the loan account details and bank branch.<\/li>\n<li>Ensure that you review your insurance cover regularly, especially if the loan amount increases.<\/li>\n<\/ul>\n<p>By following these small steps, you can save your family from stress during a difficult time.<\/p>\n<p style=\"text-align: center;\"><a style=\"text-align: center;\" href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The death of a loved one is painful indeed. Dealing with loan formalities at the same time becomes harder. But knowledge helps. A joint home loan does not disappear when a borrower dies.<\/p>\n<p>The surviving borrower, legal heirs, or a guarantor may need to repay it. Loan insurance can make this process much easier.<\/p>\n<p>Planning ahead with a will and proper documents protects the family&#8217;s interests. Understanding the joint home loan death of co-borrower rules today can save your family a lot of trouble tomorrow.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong> The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/debt-snowball-vs-debt-avalanche\/\" target=\"_blank\" rel=\"noopener\"><b>Debt Snowball vs Debt Avalanche: Which Method Clears Debt Faster?<\/b><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/what-happens-to-debt-after-a-person-dies\/\" target=\"_blank\" rel=\"noopener\"><b>What Happens to Debt after a Person Dies?<\/b><\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-check-if-someone-took-a-loan-in-your-name\/\" target=\"_blank\" rel=\"noopener\"><b>How to Check If Someone Took a Loan in Your Name<\/b><\/a><\/p>\n<\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/cibil-score-under-730\/\" target=\"_blank\" rel=\"noopener\"><b>CIBIL Score Under 730? RBI\u2019s Expected Credit Loss Framework Could Shut the Loan Door<\/b><\/a><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/why-rich-dad-poor-dad-author-robert-kiyosaki-says-he-is-in-debt\/\" target=\"_blank\" rel=\"noopener\"><b>Why &#8216;Rich Dad, Poor Dad&#8217; Author Robert Kiyosaki Says He is $1.2 Billion in Debt<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n<div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f25556854-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"25556854\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/25659966#wpcf7-f25556854-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"25556854\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f25556854-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_group_fields\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_visible_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_repeaters\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_steps\" value=\"{}\" \/><input type=\"hidden\" name=\"_wpcf7cf_options\" value=\"{&quot;form_id&quot;:25556854,&quot;conditions&quot;:[{&quot;then_field&quot;:&quot;group-coding&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Coding&quot;}]},{&quot;then_field&quot;:&quot;group-accounting&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Commerce&quot;}]}],&quot;settings&quot;:{&quot;animation&quot;:&quot;yes&quot;,&quot;animation_intime&quot;:200,&quot;animation_outtime&quot;:200,&quot;conditions_ui&quot;:&quot;normal&quot;,&quot;notice_dismissed&quot;:false,&quot;repeater_remove_button&quot;:&quot;bottom&quot;,&quot;notice_dismissed_update-cf7-5.9.8&quot;:true,&quot;notice_dismissed_update-cf7-6.1.1&quot;:true}}\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"full_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"full_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email_id\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"email_id\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"language\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"language\"><option value=\"\">Language<\/option><option value=\"Malayalam\">Malayalam<\/option><option value=\"Tamil\">Tamil<\/option><option value=\"Telugu\">Telugu<\/option><option value=\"Kannada\">Kannada<\/option><option value=\"Hindi\">Hindi<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"course\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required course-field-select\" aria-required=\"true\" aria-invalid=\"false\" name=\"course\"><option value=\"\">Upskill in<\/option><option value=\"Stock Market Course\">Stock Market Course<\/option><option value=\"Mutual Funds\">Mutual Funds<\/option><option value=\"Forex Trading\">Forex Trading<\/option><option value=\"Coding\">Coding<\/option><option value=\"Commerce\">Commerce<\/option><option value=\"German Language\">German Language<\/option><option value=\"Montessori Teacher Training\">Montessori Teacher Training<\/option><option value=\"OET\">OET<\/option><option value=\"MEP\">MEP<\/option><option value=\"Robotics &amp; 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margin-bottom: -15px;\"> <div id=\"cf-turnstile-cf7-3103530231\" class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAABVigxtkiZeGTu5L\" data-theme=\"light\" data-language=\"auto\" data-size=\"normal\" data-retry=\"auto\" data-retry-interval=\"1000\" data-refresh-expired=\"auto\" data-refresh-timeout=\"auto\" data-action=\"contact-form-7\" data-callback=\"turnstileCF7Callback\" data-appearance=\"always\"><\/div> <br class=\"cf-turnstile-br cf-turnstile-br-cf7-3103530231\"> <style>#cf-turnstile-cf7-3103530231 { margin-left: -15px; }<\/style> <script>document.addEventListener(\"DOMContentLoaded\",function(){document.querySelectorAll('.wpcf7-form').forEach(function(e){e.addEventListener('submit',function(){if(document.getElementById('cf-turnstile-cf7-3103530231')){setTimeout(function(){turnstile.reset('#cf-turnstile-cf7-3103530231');},1000)}})})});<\/script> <\/div><br\/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways A joint home loan does not end if one borrower dies. It is the surviving borrower who must continue to repay the loan. The bank can ask the surviving borrower, legal heirs, or a guarantor to clear the dues. Suppose there is a co-applicant insurance policy, the loan may get settled by the [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":25659967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25659966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Happens to a Joint Home Loan if One Borrower Dies? - Entri Blog<\/title>\n<meta name=\"description\" content=\"Have you taken a joint home loan? 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