Bank loan to buyer of NRI property

Sale of NRI property

My daughter has an apartment in which my, the father’s, name was added as joint holder, as a kind of nominee for inheritance purpose. This is because she is not married and has no family or children. She later became an NRI. Her payment contribution is (i) 100%, (ii) duly mentioned in her ITRs and (iii) supported by her bank statements showing all payments from her account.

But as per procedure, she is applying to the ITO for a Certificate to be issued in the name of the prospective buyer indicating the rate of TDS to be deducted by him (although no Capital Gains are expected).

Problem

If the buyer wants a bank loan, will the bank consider me a joint owner as per sale deed.  Can the bank insist on the buyer to deposit the sale proceeds, half in her a/c and half in  my a/c , and deduct TDS separately, which will contradict the IT Department’s requirement to deposit NRI property proceeds only in the NRO a/c, since my daughter’s contribution is 100% and mine is 0 %.