HRA clarification

[Ps S]

I am co coapplicant for a housing loan with my mother, but the property is on her name.

Can I claim HRA for the property as rented out to me.

AI Summary

Claiming HRA on Property in Mother's Name: Pay Rent to Qualify, Check Loan Agreement for Compliance. A user inquired about claiming House Rent Allowance (HRA) for a property co-financed with their mother, though the property is in the mother's name. The response clarified that if the mother, as the real owner, rents the property to the user and reasonable rent is paid, the user can claim HRA. Being a co-applicant or guarantor for the loan and paying EMIs is for family convenience. It is advised to check for any loan agreement violations, with amendments possible to facilitate regular EMI payments.