It hardly makes a difference by adding your PAN. As per rules the rental income shall be treated as your income even if you receive the housing rent without declaring your PAN.
On the question about Tax, we will have to consider your rental income as well as your interest outflow to give you an exact picture about the taxes payable.
Trust this clarifies your query.
Please feel free to call/ get back in case of any further clarifications.
Rohit R Sharma
BCOM, ACA, LLB-GEN, CERT. FAFP