A Home Loan can be a significant financial milestone for many homebuyers, and a good CIBIL score is the key that unlocks the door to securing one with favourable terms. CIBIL, short for Credit Information Bureau (India) Limited, is a credit information company that maintains your credit history, and your CIBIL score is a three-digit numerical representation of your creditworthiness. The following table shows the credit score range and what it signifies:
Your CIBIL Score | What it Signifies |
---|---|
800 - 900 | This is an excellent score range. It indicates that you have never defaulted on your EMI and credit bill payments. |
750 - 800 | This is a very good CIBIL score. You can now negotiate and bargain on your interest rate. |
625 – 750 | This is a decent credit history with very few irregularities. You may get a loan at a higher interest rate. |
300 – 625 | This score indicates high defaults in repayment. You may find it difficult to get a loan unless you improve your CIBIL score. |
So, how do you build a strong CIBIL score to improve your chances of getting a Home Loan approval?
Here are 7 effective strategies:
1. Pay on Time
This is the golden rule of credit management. Timely repayments of EMIs on existing loans and credit cards significantly impact your CIBIL score positively. Set up auto-debit for payments or use calendar reminders to avoid missing deadlines.
2. Maintain a Low Credit Utilisation Ratio
This ratio reflects how much credit you're using compared to your credit limit. A low credit utilisation ratio indicates that you are a responsible credit borrower. A high credit utilisation ratio indicates financial strain and can lower your score.
3. Build a Credit History with a Balanced Mix
Having a credit history is important, and a healthy mix of secured loans (like Home Loan) and unsecured loans (like credit cards) demonstrates responsible credit management. Don't rely solely on credit cards to build your score. Consider a small secured loan if you lack a credit history.
4. Don't Apply for Multiple Loans Simultaneously
Every time you apply for a loan or credit card, a hard inquiry is placed on your credit report, which can lower your score. Avoid applying for multiple loans at once, especially if you're unsure of getting approved. Space out your applications and only apply when necessary.
5. Monitor Your Credit Report Regularly
Your credit report may contain errors. Obtain a free copy of your CIBIL report periodically (usually once a year) and check for any discrepancies. If you find errors, dispute them with CIBIL immediately to ensure your score reflects your true creditworthiness.
6. Clear Existing Debts
Outstanding debts, especially overdue payments, can severely damage your CIBIL score. Focus on clearing existing debts before applying for a Home Loan. Prioritise high-interest debts first, and consider debt consolidation strategies to simplify repayment.
7. Maintain Old Credit Card Accounts
A long credit history with a good track record is beneficial. Don't close old credit card accounts even if you don't use them frequently.
Read Also: 10 Tips to Increase Your CIBIL Score Above 800
Reasons Why You Should Maintain a Good CIBIL Score
Building a good CIBIL score offers several advantages such as:
-
Lower Interest Rates
A high CIBIL score qualifies you for lower interest rates on all kinds of loans. This translates to significant savings over the loan term.
-
Increased Loan Eligibility
A strong credit score makes you a more attractive borrower to lenders, potentially increasing your Home Loan eligibility and allowing you to borrow larger amounts.
-
Access to Better Credit Cards
With a good score, you qualify for premium credit cards with better rewards programs, cashback benefits, and travel privileges.
-
Improved Financial Well-being
Responsible credit management and a healthy CIBIL score contribute to overall financial well-being. It fosters a sense of financial discipline and opens doors to future financial opportunities.
Read Also: How to Improve CIBIL Score After a Payment Default?
*Terms and conditions apply.
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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What Is Home Loan Eligibility and How Is It Calculated2023-07-11 | 6 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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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 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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All About Home Loan Balance Transfers2022-06-22 | 4 mins
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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