Does joint home loan affect both borrowers’ credit equally?

Yes, a joint home loan affects both borrowers’ credit, but not always “equally” in every situation. The loan will show up on both credit reports, and the repayment track record reflects for both, so if EMIs are paid on time, both benefit. If an EMI is missed or delayed, that negative mark can hit both scores even if only one person was supposed to pay from their salary. Where it can differ is if one borrower has other loans, high credit card usage, or recent enquiries, then their score may fall more or recover differently, even with the same joint loan behaviour. Simple point: joint loan is shared responsibility on paper, so payment discipline has to be solid, warna dono ka credit profile impact ho sakta hai.