{"id":1147,"date":"2024-11-15T18:08:01","date_gmt":"2024-11-15T12:38:01","guid":{"rendered":"https:\/\/www.jashnrealty.com\/blog\/?p=1147"},"modified":"2024-11-15T18:28:39","modified_gmt":"2024-11-15T12:58:39","slug":"how-to-get-a-home-loan-with-low-credit-score","status":"publish","type":"post","link":"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score","title":{"rendered":"How to Get a Home Loan with Low Credit Score"},"content":{"rendered":"\n<p>Buying a home in India is a dream almost everyone loves to bring into reality. Owning a home brings a sense of stability in one\u2019s life. But it requires you to be strong on the financial front. A home loan ensures you fulfill your financial requirements to buy a home in Lucknow or anywhere in India.<\/p>\n\n\n\n<p>With banks advertising 24*7 for a home loan, getting one is not simple. One essential factor affecting your home loan eligibility is your credit score (CIBIL). This credit score decides your creditworthiness based on which banks intend to provide you with long-term credit. Given the financial fragility in today\u2019s day and age, it\u2019s not possible for everyone to manage a flawless credit score.<\/p>\n\n\n\n<p>So, how to get a home loan when your credit score is low? This question vexes many people. Well, here in this blog, we will discuss how you can get a home loan approval even with a low credit score. Let\u2019s check it out.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Tips_to_get_a_home_loan_with_a_low_CIBIL_score\" >Tips to get a home loan with a low CIBIL score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Take_steps_to_improve_your_credit_score_gradually\" >Take steps to improve your credit score gradually<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Do_not_apply_for_a_loan_from_many_banks_or_financial_institutions_at_a_time\" >Do not apply for a loan from many banks or financial institutions at a time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Add_a_co-applicant_for_home_loan\" >Add a co-applicant for home loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Make_a_hefty_down_payment\" >Make a hefty down payment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Heres_how_a_credit_score_work\" >Here\u2019s how a credit score work<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Repayment_history\" >Repayment history:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Credit_duration\" >Credit duration:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Credit_utilisation_ratio\" >Credit utilisation ratio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-get-a-home-loan-with-low-credit-score\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_to_get_a_home_loan_with_a_low_CIBIL_score\"><\/span>Tips to get a home loan with a low CIBIL score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Take_steps_to_improve_your_credit_score_gradually\"><\/span>Take steps to improve your credit score gradually<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Banks often neglect a home loan request from an applicant whose credit score is below their guidelines. So, it\u2019s vital to take a few steps to improve it. Make sure to clear all your outstanding dues, regularise your EMIs, and fix errors in your CIBIL.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_not_apply_for_a_loan_from_many_banks_or_financial_institutions_at_a_time\"><\/span>Do not apply for a loan from many banks or financial institutions at a time<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Applying a <a href=\"https:\/\/www.jashnrealty.com\/blog\/rbi-guidelines-for-home-loans-importance-and-requirements\">home loan<\/a> from many banks at the same time can lead to rejection. Every time an applicant applies for a loan, the bank runs a credit check. Multiple applications means multiple credit checks and inquiries, which may not work in your favour. Also, after loan rejection, you may have to wait for a few months before making a fresh application again.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Add_a_co-applicant_for_home_loan\"><\/span>Add a co-applicant for home loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you credit score isn\u2019t flawless, you can add a co-applicant or family member whose credit score is good. Ensure, the co-applicant has a good relationship with the same bank as it will expedite your approval process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_a_hefty_down_payment\"><\/span>Make a hefty down payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Since your credit score is low, you can make a higher down payment to show that you\u2019re financially sound. This will instill a sense of confidence in the banking institute to approve your home loan application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Heres_how_a_credit_score_work\"><\/span>Here\u2019s how a credit score work<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A credit score is calculated considering the following factors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_history\"><\/span>Repayment history:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The bank checks your credit history. if it showcases any default on your bills, it means your credit score is low.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_duration\"><\/span>Credit duration:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A longer credit repayment may negatively affect your score. So keep the duration as minimum as possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_utilisation_ratio\"><\/span>Credit utilisation ratio:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Credit score depends on how much utilisation you do. For example, if you utilise the 70% amount on your credit, it results in a low credit score. But if you contain it within 40%, it significantly improves your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Getting a home loan sanctioned with a low credit score may seem impossible, but it\u2019s doable. You can improve your credit score by making a timely repayment and keeping your expenses controlled. By following earlier tips, you can get a home loan even with a low credit score.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home in India is a dream almost everyone loves to bring into reality. Owning a home brings a sense of stability in one\u2019s life. But it requires you to be strong on the financial front. A home loan ensures you fulfill your financial requirements to buy a home in Lucknow or anywhere in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1149,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get a Home Loan with Low Credit Score<\/title>\n<meta name=\"description\" content=\"Can you can get a home loan if you don&#039;t have good credit score? 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