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Never pay down a deposit in a bank account until you have met the seller, seen signed a purchase agreement. No serious private advertisers ask for a down payment before you meet. Receiving an email with an in-scanned ID does not mean that you have identified the sender. You do this on the spot, when you sign a purchase agreement.
A joint home loan offers various benefits to applicants like eligibility for a higher loan amount, better interest rates, and tax benefits. Check out why and when it makes sense to apply for joint home loans. https://www.creditmantri.com/article-top-3-benefits-of-taking-a-joint-home-loan/
