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The “loan” is in my wife’s name only. (Because I had health issues in 2006, and no job, I hindered the loan application) The “deed” is in both our names. I have a steady job, bad credit, but now could afford the home, if I could refinance it. Would I apply for a new loan, since I’m not on the current loan?

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RBI Governor Shaktikanta Das on Saturday said revised guidelines to deal with stressed assets will sustain improvement in credit culture as it provides. but has withdrawn all other resolution.