When a borrower avails of a loan, lenders decide the interest to be charged after considering several different factors such as age, nationality, employment type, and income. Another important factor that they consider is your CIBIL score.
The CIBIL score is the numerical representation of a borrower’s creditworthiness and repayment capacity. It is a three-digit number between 300 and 900 that tells a lender the chances of a borrower defaulting on loan repayment.
You may ask what is a good CIBIL score for Home Loans or any other loans. The answer is a score of 750 and above. In fact, the closer you are to 900, the better your chances of getting approved for a loan and your preferred lender offering you lucrative terms and conditions, such as low rate of interest, higher loan sanction, and long repayment tenor.
A good CIBIL score can improve the chances of loan approval and a low CIBIL score can increase the chances of rejection. Missing EMI payments, defaulting on loans, constantly exhausting one’s credit cards, and continuously applying for new credit are habits that cause borrowers to have a low CIBIL score. What should you do if you check your CIBIL score online and find your CIBIL score does not meet your lender’s loan qualifying criteria? How can a borrower improve their credit score and remove a bad repayment track from their CIBIL report? Read on to know the answer.
Identifying a Bad Repayment Track From CIBIL
The most important factor that affects a borrower’s credit score is their repayment history. Repayment history records whether you have always paid your EMIs on time or have ever defaulted on loan repayment. Factors such as credit utilisation ratio, credit mix, and new credit applications also affect a borrower’s credit score. Sometimes unfavourable conditions may disturb your financial planning causing you to miss the EMI payments, default on loans, and exhaust the limit on one’s credit card. In such cases, you may wonder what the ideal score for applying for a Home Loan is and if a bad repayment track in the CIBIL report can affect your chances of getting approved.
If you are planning to apply for a Home Loan or a loan of any kind and do not have the right CIBIL score for it, follow these steps to eliminate a bad CIBIL report.
- The first step is to identify the entry or mention in your CIBIL report that is decreasing your credit score. For this, you will have to get hold of your credit report. Borrowers can check their CIBIL score online as well as their CIBIL report for free. However, if you want to identify and remove a bad repayment, you must avail of your CIBIL report directly from TransUnion CIBIL. To be able to do this, you will have to fill out an application form on the company’s website and pay a small fee based on the subscription plan you have chosen. Once you do this, CIBIL will send you your detailed CIBIL report.
- If the bad repayment you have identified is due to an error, report the error to CIBIL and request them to remove it as soon as possible. If the negative repayment record that you have tracked down is due to the EMIs you have missed or a fault on your own, you will have to talk to CIBIL and request them to remove the record from your CIBIL report. You may even be required to pay a small penalty fee. CIBIL is not authorised to remove errors like this. Therefore, getting the bad repayment track removed won’t be easy. So, be patient and follow up with CIBIL as often as you can.
Borrowers should know that though they can contact CIBIL and request the credit information agency to remove a bad repayment track, there is no guarantee that CIBIL will remove it. Therefore, borrowers should know how to avail of a loan even if they do not have an ideal CIBIL score for a Home Loan.
Also Read: How to Increase Your CIBIL Score Above 800
How to Avail of a Home Loan if You Have a Low CIBIL Score?
If you check your CIBIL score online and find out it is much below 750, do not worry. By the tips given below, you may be able to avail of a Home Loan at favourable terms:
- Try improving your CIBIL score by following healthy credit practices diligently. Improving your CIBIL score involves timely bill payments, reducing credit card balances, avoiding multiple loan applications, and checking your credit report regularly for errors or discrepancies to rectify them promptly.
- To increase your chances of getting approved for a loan, apply for a loan amount lower than what you are eligible for. This will increase your lender’s confidence in your repayment ability, and they might approve your loan even if you have a low credit score.
- You can also get approved for a loan even with a low CIBIL score by adding additional income sources to your loan application. The idea is to convince your lender of your repayment capacity.
- If you have a low CIBIL score and you wish to avail of a Home Loan, add a financial co-borrower or guarantor. This financial co-borrower or guarantor must be someone with a high CIBIL score and excellent repayment capacity.
- Yet another thing you can do is take a small loan amount and pay it on time. This will help you improve your credit rating over time and increase your chances of availing of a Home Loan on beneficial loan terms and conditions.
Read Also: Everything Need to Know About How to Check Cibil Score
Final Words
If you are planning to apply for a loan of any kind, be it a Home Loan, a Loan Against Property, or a personal loan, know that a good CIBIL score will help you get approved for a loan. However, if you do not have the required CIBIL score, do not worry. If your CIBIL score has decreased due to an error in your report, dispute the error immediately. You can also request CIBIL to remove the error due to which your credit score has decreased. Use various tips given in this article to enhance your chances of getting approved for a Home Loan.
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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Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
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loan+against+property Loan Against Property
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cibil Cibil
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Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
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home+loan Home Loan
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Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
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tax Tax
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How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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