By clubbing your income with your spouse or with your earning parents / children, you can stretch the loan available to you. Different banks have different rules and restrictions regarding with whom and how you can do this. Loan available to you depends on the value of your property also, as the banks give only 80 to 85% of the value of the property. Further, if monthly EMI is the limiting factor in expanding your loan then you can stretch your loan tenure to bring down the EMI.