interest on housing loan allowability

[scaa]

Husband aand wife have taken a joint loan for a new flat. A separate bank account is opened in joint name where funds are deposited by both not in any definite proportion. The instalments are debited to this account by standing instruction.
How should the benefit under section 80C for principal repayment and section 24 for interest be calculated for each

[scaa]

Can we consider the explanation to section 26 and give the total interest benefit to both husband and wife ?