Is it possible to combine the income of the husband and wife?

Some mortgage programs allow combining a spouse's income to increase borrowing capacity, but this often means both parties become liable to varying degrees depending on the contract.

Key points

• Ask clearly: Who is the borrower?

• Who is the co-owner?

• Is each party responsible for the entire debt or a percentage?

• Combining income can increase capacity, but it's a legal and financial decision, not simply adding a salary.

The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.

Source

• Central Bank of Egypt — Consumer Protection

• Banque Misr — Individual Mortgages