Credit Information Bureau (India) Limited or CIBIL score, also known as credit score, is one of the key eligibility considerations for banks and lending institutions when processing applications for a Loan Against Property. It provides a quick summary of an applicant’s credit history as a three-digit numeral in the Credit Information Report (CIR); outlining an individual’s payment history, type of credit availed, duration of credit and so on. CIBIL scores range from 300 to 900 - higher the score, better your credit rating.
How Does CIBIL Score Affect Your Loan Against Property Eligibility?
The CIBIL score affects your Loan Against Property eligibility. Lenders use CIBIL scores to gauge your ability to handle credit and repay it within the specified tenor. It influences the following aspects of a loan directly:
Loan Application
Lenders undertake rigorous checks and measures, which could lead to a longer processing time for individuals with a low credit score. It might also lead to rejection of a loan application, especially if any minor discrepancies are found in the application or documentation. Meanwhile, a good CIBIL score can improve the chances of getting an approval on your loan request with quick turnaround time.
Interest Rates
If you possess an excellent credit score, it becomes easier to negotiate with lenders for competitive Loan Against Property interest rates and terms. Whereas, a poor score may fetch you loans at higher rates of interest raising the cost of credit.
Borrowing Limits
A good CIBIL score of 750 and above is considered essential for availing higher loan amounts - up to 90% of the pledged property’s market value. Anything lower may mean a reduced borrowing limit.
Loan Tenor
Secured loans like a Loan Against Property can easily garner larger principal amounts, hence they are offered with flexible tenors to enable easier repayments. Borrowers can choose a suitable tenor according to preference if they hold a satisfactory credit score.
Also Read: Short Tenor vs. Long Loan Against Property Tenor - Which is Better?
Processing Charges
Applicants with a less than ideal credit scores offer little incentive for lenders. They may be charged a heavier processing fee than those with impressive scores who possess a better repayment record.
What to do if You Have a Low Credit Score?
If you wish to avail of a property loan but are strapped with a low credit score, here are a few practical tips that will help you receive a nod on the loan application:
Offer a High-Value Collateral
Placing a high-value property as security can double your chances of obtaining a Loan Against Property despite a small score. When you pledge a collateral of substantial cost, lenders will extend a generous loan amount depending on its market price. This also reduces the credit risk since lenders can manage the liability in case of a default.
Show Stable Sources of Income
Borrowers having a stable and high income can repay loans on time without defaulting. If you have other sources of earnings, be sure to include them in your loan application.
Have a Low Debt-to-Income Ratio
This is the percentage of all your ongoing debts with respect to your income. A modest ratio indicates fewer obligations and an ability to repay the loan EMIs. However, a higher ratio shows that you are servicing loans beyond your financial capability. Normally, a ratio between 30% and 50% is recommended for applicants with low CIBIL scores.
Get a Co-Applicant
Lenders may offer better Loan Against Property interest rates and terms if you apply for a loan with a family member who has an acceptable credit score.
Apply with a Guarantor
In certain instances, lenders may be more accommodating if you get a guarantor, who possesses an adequate credit score, to support your loan application. Remember, in case of a default, the guarantor too will be held liable for the loan repayments.
Also Read: Do You Need a Guarantor for a Mortgage Loan?
All four credit bureaus – Equifax, TransUnion CIBIL, Experian and CRIF Highmark – let you check credit scores for free once a year. Moreover, before you apply for a Loan Against Property, rectify any errors or incorrect information in your credit report that could potentially harm your score.
A Loan Against Property is the ideal way to unlock the value of your property for availing the desired funds. But if you hold a moderate credit score, first and foremost, try to improve your CIBIL score which might require several months of disciplined credit activity. In the meantime, scout around for loan offerings from different lenders for the best and lowest interest rates. Check the Loan Against Property eligibility criteria and the necessary documentation before you pick the right lender.
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.
Trending Articles
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
6 Smart Tips to Increase Your Home Loan Eligibility2024-06-27 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
5 Essential Things You Need for a Home Loan Approval2024-05-08 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
7 Benefits of Taking a Home Loan in India2024-06-19 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
A Complete Guide to Check Credit Score Easily for Free2024-05-02 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-86.jpg/78c8f4a0-be4a-ccfd-8f4e-e4d7a373ee0e?version=1.0&t=1690869420272null&download=true)
cibil Cibil
[N][T][T][N][T]
What's Considered a Healthy Credit Mix?2024-06-11 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-12.jpg/9c4be5ca-a256-1312-ae42-8fa2d0cb9752?version=1.0&t=1680758736598null&download=true)
home+loan Home Loan
[N][T][T][N][T]
All About Home Loan Balance Transfers2024-06-04 | 4 mins
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-1.jpg/d2798db1-884e-d7da-a823-59d8afe95ccc?version=1.0&t=1680758614142null&download=true)
cibil Cibil
[N][T][T][N][T]
What Distinguishes CIBIL Score from CIBIL Report?2024-04-11 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What Is Home Loan Eligibility and How Is It Calculated2024-07-11 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
How Does Being A Loan Guarantor Affect Your Credit Score?2023-03-23 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-153.jpg/0d5d00d1-167b-a60d-f84c-744878bc9281?version=1.0&t=1691386984944null&download=true)
cibil Cibil
[N][T][T][N][T]
What is Credit Mix and How to Boost Your Credit Score?2023-03-27 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Will a Loan Settlement Ruin My CIBIL Score?2023-03-21 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
How can I Remove Loan Inquiry from CIBIL Credit Report2024-01-22 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-63.jpg/a2064d73-04dd-b64f-b8fb-8e1f046c7485?version=1.0&t=1685941983281null&download=true)
cibil Cibil
[N][T][T][N][T]
Does CIBIL Score Affect Loan Against Property Eligibility?2023-02-15 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
How To Improve CIBIL Score After A Payment Default?2023-03-29 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-108.jpg/acdda18b-4ec5-7485-e411-889e8eec7d9e?version=1.0&t=1690395072700null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Everything You Need to Know About Top-up Loans on a Home Loan2024-04-09 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-41.jpg/47921c8b-be21-9c4e-13dd-8abd3ee7bbd9?version=1.0&t=1690869409608null&download=true)
cibil Cibil
[N][T][T][N][T]
What Is a Good Credit Score for a Home Loan?2022-12-28 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+2.webp/9bce1476-bc9f-5771-382b-2f64b1668cf5?version=1.0&t=1660719631404null&download=true)
cibil Cibil
[N][T][T][N][T]
Things That Can Go Wrong with Your CIBIL Report2023-03-15 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+2.webp/9bce1476-bc9f-5771-382b-2f64b1668cf5?version=1.0&t=1660719631404null&download=true)
cibil Cibil
[N][T][T][N][T]
How a Good CIBIL Score Can Help You Celebrate the Festive Season Better2024-03-19 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-112.jpg/e80f3a23-f8ba-5689-a60b-a754aea66c8d?version=1.0&t=1690395071172null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Difference Between Home Loan and Personal Loan: Which is better?2024-03-04 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-48.jpg/7cad495a-b166-1108-8722-05e87b87d18d?version=1.0&t=1690869412202null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How to Get a Better Interest Rate on Your Home Loan2024-01-04 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
How Can Your CIBIL Score Help in Negotiating Better Home Loan Deals2023-05-18 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Get a Home Loan Without Visiting Branch: A Step-by-Step Guide2024-03-20 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-9.jpg/2aebdaed-600e-17a6-bd65-f8ad1edf01ce?version=1.0&t=1680758616610null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-92.jpg/885b9f30-8830-105a-028c-4b3645d5d8de?version=1.0&t=1690869421738null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Understanding the Fees and Charges on Your Loan Against Property2024-02-16 | 8 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-4.jpg/dd6fa2d4-5c4e-594c-dab9-226e8623b8df?version=1.0&t=1680758615265null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
tax Tax
[N][T][T][N][T]
How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
home+loan Home Loan
[N][T][T][N][T]
5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-128.jpg/6d785cfd-1bf0-c4d6-88f1-f25b579c726e?version=1.0&t=1691386978870null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-72.jpg/02b7d16c-54a7-29f5-497c-ece5b5c17064?version=1.0&t=1685941985070null&download=true)
cibil Cibil
[N][T][T][N][T]
Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-36.jpg/14ca3104-ede1-d998-cb83-b9c322044609?version=1.0&t=1685941982662null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Types of Home Loan Charges2024-01-22 | 3 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-82.jpg/234ce60c-a7fe-3f48-556b-a5692c88493a?version=1.0&t=1690869418914null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
tax Tax
[N][T][T][N][T]
10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-55.jpg/957ca97c-0087-8a5f-2b7b-b0ffc800d8ef?version=1.0&t=1690869414103null&download=true)
home+loan Home Loan
[N][T][T][N][T]
All You Need to Know About Home Loans2023-01-19 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-88.jpg/7bf56db8-bfbe-d9ad-b32d-2566743de345?version=1.0&t=1685941986395null&download=true)
tax Tax
[N][T][T][N][T]
5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-67.jpg/fdafcdc2-a700-03f3-7287-0cb1d47d5c82?version=1.0&t=1690869416565null&download=true)
cibil Cibil
[N][T][T][N][T]
Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-46.jpg/7bec0c6c-60e3-0a07-bcdd-d9ee999078c7?version=1.0&t=1690869411357null&download=true)
[N][T][T][N][T]
Checklist of Documents Required for Home Loan2024-02-07 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-56.jpg/ea7183e6-6861-ffb3-0bc4-d67060689f70?version=1.0&t=1690869414421null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-103.jpg/942a2c04-ae57-3f53-1329-729ffefc8ff9?version=1.0&t=1690395074160null&download=true)
tax Tax
[N][T][T][N][T]
Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+10.webp/a33b518b-be01-12e8-5324-6bbeae19f860?version=1.0&t=1660719633433null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+2.webp/9bce1476-bc9f-5771-382b-2f64b1668cf5?version=1.0&t=1660719631404null&download=true)
cibil Cibil
[N][T][T][N][T]
How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-115.jpg/65da35c2-5e32-7040-3aa5-02f545770619?version=1.0&t=1690395069927null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-15A.jpg/ccb369b6-12ea-3a0f-815d-4cbd569505ce?version=1.0&t=1685941981124null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-111.jpg/a4a26f6e-bef5-d93c-d5af-91c956c14bec?version=1.0&t=1690395070744null&download=true)
tax Tax
[N][T][T][N][T]
What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-118.jpg/cf26d4ab-b42e-84b1-93e4-d18049a6e0d6?version=1.0&t=1691386976319null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-97.jpg/40066fbe-fa3d-2353-ab03-602d6e1f3407?version=1.0&t=1690869422595null&download=true)
home+loan Home Loan
[N][T][T][N][T]
6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-65.jpg/99b36380-d23d-3877-5ead-3e6a910b88ab?version=1.0&t=1685941983877null&download=true)
cibil Cibil
[N][T][T][N][T]
Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-149.jpg/5ff230dc-58ef-6459-652b-c27e8d5f49a0?version=1.0&t=1691386983997null&download=true)
cibil Cibil
[N][T][T][N][T]
What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-14.jpg/24615559-e5fb-492b-517d-7f5f92101484?version=1.0&t=1680758737154null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-30.jpg/df2da7bb-af05-dddb-c2d1-d835b061e9c0?version=1.0&t=1691386975204null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-16.jpg/f853a627-0be7-f88b-44da-b35a79108cf6?version=1.0&t=1680758737683null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-60.jpg/740fc935-bac3-8956-6be0-918c1c72bb47?version=1.0&t=1690869415677null&download=true)
cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-85.jpg/630ed104-8bc3-8853-a751-5810dc9fab92?version=1.0&t=1690869419979null&download=true)
home+loan Home Loan
[N][T][T][N][T]
10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Advantages for First-Time Home Buyers2023-07-14 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-27.jpg/b9f6572f-5521-a4fc-ddae-2002adc4440e?version=1.0&t=1691386974794null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-13A.jpg/38896fc5-3a25-e903-1bdf-c338e26b28fc?version=1.0&t=1685941980827null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-58.jpg/77d20335-105c-5c6e-c57c-f87626015dac?version=1.0&t=1690869415055null&download=true)
cibil Cibil
[N][T][T][N][T]
Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-44.jpg/a3e2af38-dd05-6225-9eed-5848d81250cf?version=1.0&t=1690869410642null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-20.jpg/8a62b6ff-d696-dd8f-cff1-e569b4c22bf9?version=1.0&t=1680758738737null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-145.jpg/f5f903bd-d248-a352-8790-439fba167598?version=1.0&t=1691386983016null&download=true)
tax Tax
[N][T][T][N][T]
Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-140.jpg/a02bf2ca-4455-68a3-8816-2f9588470bb6?version=1.0&t=1691386981808null&download=true)
loan+against+property Loan Against Property
[N][T][T][N][T]
Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-42.jpg/3a2ae456-a404-2b89-7e54-e8bf9204ccee?version=1.0&t=1690869409947null&download=true)
tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-146.jpg/c5a5a24d-0617-d520-9678-304ea3deb71b?version=1.0&t=1691386983267null&download=true)
home+loan Home Loan
[N][T][T][N][T]
5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-84.jpg/e2ffe9b5-5a4c-69f5-9eeb-51368ba49f68?version=1.0&t=1690869419690null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-138.jpg/a8523220-b25c-9eff-1deb-a84e132c50a7?version=1.0&t=1691386981323null&download=true)
[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-8A.jpg/731f2df9-1164-13ac-d7fb-599e21b127b2?version=1.0&t=1685941980459null&download=true)
cibil Cibil
[N][T][T][N][T]
Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-3.jpg/22260265-9e12-0935-ca61-78067326b979?version=1.0&t=1680758614864null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-87.jpg/fa109881-d7ad-26dc-22c5-45ee4bda3c30?version=1.0&t=1690869420582null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-13A.jpg/38896fc5-3a25-e903-1bdf-c338e26b28fc?version=1.0&t=1685941980827null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-10.jpg/c63a06aa-ce58-d906-3de6-3ff47d265601?version=1.0&t=1680758616883null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-77.jpg/32fcc9c0-9e55-1ee7-175b-f4bf8ea62a32?version=1.0&t=1685941985344null&download=true)
cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2643928/Blog-105.jpg/c21fd41f-039a-df82-49b4-5fae79443c49?version=1.0&t=1690395074886null&download=true)
tax Tax
[N][T][T][N][T]
Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
What is Credit Score and Its Impact on Loan Availability2023-03-27 |
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
What Does Your Credit Score Tell About You?2024-06-11 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-32.jpg/fef2104a-dcb2-be40-f896-ad8e19d47c49?version=1.0&t=1691386975529null&download=true)
cibil Cibil
[N][T][T][N][T]
Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-160.jpg/b176bac7-067f-4e44-393a-8aaada52a5c3?version=1.0&t=1685941987517null&download=true)
home+loan Home Loan
[N][T][T][N][T]
ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-100.jpg/aa033754-67be-c130-24f0-f19b94012339?version=1.0&t=1685941986948null&download=true)
cibil Cibil
[N][T][T][N][T]
Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-61.jpg/7300d599-ca9d-c699-8b6a-79492dd3910d?version=1.0&t=1685941982984null&download=true)
cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
tax Tax
[N][T][T][N][T]
What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-22.jpg/8cb3d168-a546-4eeb-d5cb-a7dac4b05532?version=1.0&t=1685941981740null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Home Loan Terminologies2024-06-01 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
cibil Cibil
[N][T][T][N][T]
What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-91.jpg/b908a69a-8bac-bd94-29de-1bd0ae941a1c?version=1.0&t=1690869421460null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
cibil Cibil
[N][T][T][N][T]
Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-94.jpg/429f97fa-c0ef-4536-70e8-0a93c5272e9e?version=1.0&t=1690869422320null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-119.jpg/7b826bfc-74a2-5407-5680-bd2d56f817c5?version=1.0&t=1691386976573null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-24.jpg/8a130b64-e3f4-5930-59bf-ee21e77ed3fe?version=1.0&t=1685941982040null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-147.jpg/4d964c6f-cf7b-eb04-4f6d-baef2d5d9e30?version=1.0&t=1714645440981null&download=true)
cibil Cibil
[N][T][T][N][T]
What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1980576/Blog-63.jpg/a2064d73-04dd-b64f-b8fb-8e1f046c7485?version=1.0&t=1685941983281null&download=true)
cibil Cibil
[N][T][T][N][T]
How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-141.jpg/4c794e23-85c1-4cb3-89e2-1df840185c6c?version=1.0&t=1691386982061null&download=true)
cibil Cibil
[N][T][T][N][T]
How to Check CIBIL Score Online?2023-03-14 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-51.jpg/e9016f4b-8a7e-de9e-3f4a-afe0363b2ec4?version=1.0&t=1690869412867null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-19.jpg/283e91fa-76c6-510c-e6c4-3e3e06b728e5?version=1.0&t=1680758738471null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-66.jpg/14922f02-6202-96ad-63e2-05b20c57e9d8?version=1.0&t=1690869416281null&download=true)
home+loan Home Loan
[N][T][T][N][T]
How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+4.webp/2b7c3f4b-a149-201d-4db8-fef9d47a39fa?version=1.0&t=1660719632011null&download=true)
tax Tax
[N][T][T][N][T]
Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-38.jpg/149eb7e7-c2ff-d466-1fa4-d78580450e8d?version=1.0&t=1690869408600null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+2.webp/9bce1476-bc9f-5771-382b-2f64b1668cf5?version=1.0&t=1660719631404null&download=true)
cibil Cibil
[N][T][T][N][T]
10 Common Myths About CIBIL Score2024-03-27 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2782509/Blog-142.jpg/5dc0e05a-83a1-7ab3-bf53-d021723583bc?version=1.0&t=1691386982298null&download=true)
cibil Cibil
[N][T][T][N][T]
Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-101.jpg/35021707-9c15-b12e-3131-d0e162487071?version=1.0&t=1690869423435null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-50.jpg/95eac235-a7fb-9428-8808-569d29aa004e?version=1.0&t=1690869412550null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-79.jpg/429652d3-cf73-dc06-6701-ca8e144d54da?version=1.0&t=1690869418055null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-45.jpg/eda2cbe5-2698-c0e3-ff9e-87f82ca69b82?version=1.0&t=1690869410994null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-98.jpg/3d01134e-c5ea-ad38-1711-aa77fece6ea6?version=1.0&t=1690869422885null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
![alt](https://www.bajajhousingfinance.in/documents/37350/2716445/Blog-73.jpg/ab9043fa-c179-0cd6-ff85-60035d21eb6e?version=1.0&t=1690869417162null&download=true)
home+loan Home Loan
[N][T][T][N][T]
7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
![alt](https://www.bajajhousingfinance.in/documents/37350/146860/Blogs+1.webp/dfde657e-946f-2b0a-d20a-772fa5f19371?version=1.0&t=1660719630964null&download=true)
home+loan Home Loan
[N][T][T][N][T]
What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
![alt](https://www.bajajhousingfinance.in/documents/37350/1461143/Blog-18.jpg/aea627c6-044d-a572-c1a5-5982c3a23e9a?version=1.0&t=1680758738202null&download=true)
home+loan Home Loan
[N][T][T][N][T]
Hybrid Flexi Loan vs. Personal Loan: Which One is Better?