repayment of housing loan

pls tell....

1) if suppose husband's salary is on higher side & wife's salary is on lower side & husband is named first in the loan application & wife is named as 2nd. now, since, loan instalment is cut from husband's salary, though the wife is a co-owner, she can not claim deduction u/s. 80C. Is it right? 

2) Suppose, wife pays in the loan A/c or gives to husband say Rs. 3000/- monthly as "her loan instalment" to the bank or financial institution from whom loan is taken, then such bank or financial institution can give a letter for acceptance of the instalment apart from husband's loan instalment & on the basis of such letter, can  the wife at the same time, claim deduction u/s. 80C for housing loan repaymentfor getting the tax benefit while husband is claiming ded. u/s.80C independently in his return as loan instalment is cut from his salary)?

thanks in advance