Once you have made a Home Loan application, one of the first things that your lender will do is connect with one of the credit bureaus in India and ask for your credit report or CIBIL score. Home Loan applicants must know that their credit score is a key determinant in deciding whether their Home Loan application will be accepted or rejected. A good CIBIL score for a Home Loan helps significantly.
What is a CIBIL Score?
The CIBIL score is a three-digit number ranging between 300 and 900. The higher the CIBIL score, the better your chances of getting approved for a Home Loan.
Credit agencies calculate an individual's CIBIL score after considering several factors, such as their past repayment behaviour, their credit history, and their current debt-to-income ratio. An individual's credit score essentially helps a lender decide the risk factor involved in lending money to the individual. A high CIBIL score says that the individual is a responsible credit user and can be trusted with the timely repayment of a loan. A low CIBIL score says that the applicant may not be trusted with loan repayment.
Good Credit Score for a Home Loan
If you are planning to avail of a Home Loan, make sure you have the minimum credit score required for a Home Loan. What is a good credit score required for a Home Loan? The answer is 750 plus. A CIBIL score can be categorised as follows:
- CIBIL Score Above 750: If your credit score is above 750, your lender can see you as a risk-free borrower. A 750-plus score is a mark of a highly responsible credit user. If your CIBIL score is 750 and above, lenders will offer you their best loan deals along with low Home Loan interest rates.
- CIBIL Score Between 625 and 750: If your CIBIL score falls within the bracket of 600 and 750, your lender may approve the Home Loan, however, they may offer a higher Home Loan interest rate.
- CIBIL Score Under 625: Lastly, if your CIBIL score is under 625, you may not get approved for a Home Loan. However, you can add a financial co-applicant with a high CIBIL score to increase your chances of availing of a loan.
As a potential Home Loan applicant, you may be wondering how to calculate CIBIL score for Home Loans? These days, everything happens online. There are many online websites that give you your credit score within seconds, based on the information provided by you. You can search for them online to check your CIBIL score.
Read Also: Know How to Check Cibil Score by Pan Card
Now that we have some clarity on how lenders use the concept of CIBIL score to look into an applicant's profile and assess their creditworthiness, let us look at the benefits of having a good CIBIL score.
Benefits of a High CIBIL Score
When it comes to Home Loans and the application process involved, there are several advantages of having a high CIBIL score. Some of the advantages are discussed below:
- If your CIBIL score is excellent, i.e. 750 and above, the biggest benefit would be that you can get a Home Loan at low interest rates and this can help you save on the total interest outgo.
- A good CIBIL score also gives a potential borrower better negotiating power with their lender.
- A good CIBIL score ensures quick approval and also increases the chances of getting a sizeable loan basis eligibility.
- Those whose credit score is above 750 can get pre-approved loan offers. When you have a pre-approved offer, applying for a loan and availing of it becomes easy since the lender has already pre-approved you for a loan.
These are some of the benefits you will experience if your credit report is good. However, what should a borrower do if their credit rating is not so good? Borrowers who do not have the credit score required for Home Loans can avail of good Home Loan deals by following some tips. Read on to know how.
Additional Read: A Helpful Guide to Understanding Your Credit Report
What to do if Your Credit Score Does Not Meet the Minimum Eligibility Requirements?
Even if your CIBIL score is not as good as it should be, you can still get a Home Loan deal. Follow these Home Loan tips to get approved for a Home Loan:
- If your CIBIL score is low and you wish to get approved for a Home Loan, you must convince your lender that you are entirely capable of repaying the loan. One of the best ways to do this is to show good income. If your CIBIL score is low, add all extra income sources, such as rental income, interest payments, money earned from a part-time job, etc. to your loan application. This can convince your lender of your repayment capacity.
- You can benefit from adding a financial co-applicant to your application. However, remember that this co-applicant must be someone with a good credit score and a decent monthly income.
- Make sure there are no errors in your credit report. If your credit score has gone down due to an error, get your report rectified immediately.
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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
[N][T][T][N][T]
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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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 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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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan