When planning or applying for a Home Loan, you must have come across the term CIBIL score or credit score repeatedly. It is one of the most important aspects of loan processing. To find out more about the importance of CIBIL score for Home Loan, the factors affecting your credit score and the ways to improve it– read on!
What is a CIBIL Score?
CIBIL score is a three-digit credit score ranging from 300-900 that represents your creditworthiness i.e. the ability to repay the loan. The Credit Information Bureau India Limited (CIBIL) keeps a record of each individual based on their credit history.
Why is CIBIL Score for Home Loan so Important?
In order to make your Home Loan approval smooth and avoid the chances of rejection, you must know the importance of CIBIL score. It is one of the first things that lenders check when looking at your application.
A good credit score, typically above 750, gives the lender a positive impression based on previous records or repayment history. It presents you as regular and worthy of paying off loans and dues on time. Therefore, the lender sees you as fit for the loan approval. Generally, lenders consider 650 as the minimum CIBIL score for Home Loans and anything below 650 may lead to difficulties in availing of a loan.
Ideal CIBIL Score for Home Loan
Banks and financial institutions analyze the credit score before lending out money. The CIBIL score lies anywhere between 300 and 900. Generally, lenders consider 650 as the minimum CIBIL score for Home Loans. In case of low score between 625-300, you can work upon to match the lender’s expectations. If you are wondering how to recover from low credit score, you must keep the following CIBIL score hacks to get it fixed.
- Paying off loans and EMIs on time without defaulting
- Maintaining a healthy mix of credit
- Keeping the debts low
- Not requesting for multiple queries
Additional Read: Know How Mortgage Loan Affect Your Cibil Score
How to Improve Your Credit Score?
While 750+ is certainly a good CIBIL score for Home Loan, here are a few ways you can further improve it below:
- Make sure you pay your bills on time for the maximum benefit. Missed or default payments attract negative points from the lender and thus leave an impact on the credit score. Remember that the Credit Bureau will keep a track of all these. Therefore, avoid skipping payments even when disputing a bill. In case of some difficulty, get in touch with the lender at the soonest
- Repay all your debts as early as you can
- Maintain a low balance, ideally below the limit, on your credit card. This is because having a balance lower than the credit limit will lead to no good
- Apply occasionally for credit instead of applying for multiple queries within a short time period that may impact your credit score
- Lastly, be sure to check your credit reports regularly. You must request your lender for a free copy of the credit report and check if the details are accurate. You may also be entitled to an annual copy of your credit report every year by the Bureau. Thus, you will be able to monitor your credit report and CIBIL score occasionally
Also Read: How to Increase Your CIBIL Score Above 800?
Steps to Get Your Hands on the CIBIL Score Online
When in search of the CIBIL score, the steps mentioned here must be followed:
- Search for the top lending institutions and lenders in the market and access the CIBIL score calculator on their website
- Access the CIBIL score calculator online and fill out some basic details, like PAN number, DOB, address etc. to avail of the credit report
- Hit the ‘Submit’ button to get the accurate CIBIL score results
Having the desired CIBIL score for Home Loan not only makes the approvals easier but also comes with affordable interest rates and other perks. But in case you are still wondering what will help my credit score increase the most, the above methods can prove beneficial. Look for a lender that offers relaxed CIBIL criteria, prompt approvals and loan sanctions.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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How to Connect with Bajaj Housing Customer Care2023-06-27 | 5 Min
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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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[N][T][T]Types[S]of[S]Home[S]Loans[S]Available[S]in[S]India[N][T]
Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget