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What is CIBIL report in Home Loan

What is CIBIL report in Home Loan?

Financial institutions assess your loan eligibility and home repayment capability before approving your Home Loan application, which is where your CIBIL score comes into play, serving as a benchmark for banks and NBFCs.

CIBIL (Credit Information Bureau Limited), calculates a CIBIL or credit score depending on your credit and debt repayment history. A CIBIL score usually ranges between 300 and 900. If you have a low credit score, it’s highly unlikely that your loan application will be approved. On the other hand, a high score might get you a substantial Home Loan amount.
A score above 750 is considered good as it indicates a clean credit history, which means you won’t have trouble repaying your Home Loan on time. However, the closer your score is to 900, the better your chances are of getting a higher Home Loan amount.
However, apart from this, you should also bear in mind that each financial institution has their own eligibility criteria. You will need to fit these additional parameters to procure a Home Loan.

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