Home loan for low CIBIL score lena possible hai, bas aapko sahi tarika pata hona chahiye. Banks aur NBFC low CIBIL par bhi loan dete hain, bas kuch conditions hoti hain jo aapko samajhni padengi.”
Agar aapka CIBIL score accha hai (750+), to aapko asani se loan mil jata hai wo bhi best rate par. Lekin agar score low hai (600 se kam), to loan lena mushkil ho sakta hai – lekin namumkin nahi.
CIBIL report ki complete information
Jab aap bank ya NBFC ke paas home loan ke liye jaate hain, to unhe clearly batayein ki aapka score kyu low hua. Agar aapki EMIs bounce hui thi, to uska valid reason zarur dena chahiye.
Exampl
Aapki EMI har mahine ki 3 tarikh ko lagti thi, lekin aapki salary aapke account me 10 tarikh ko credit hoti thi. Is wajah se EMI bounce hoti thi, jiska impact aapke CIBIL score par pada
Solution
Aap apne bank account ka statement provide karke proof de sakte hain ki aapke salary credit hone me delay hota tha. Isse bank ya NBFC ko aapki situation samajhne me madad milegi, aur loan
approve hone ke chances badh jayenge
Low CIBIL score ke bawajood home loan lena mushkil lagta hai, lekin sahi approach se home loan for low CIBIL score possible hai.”
ye solutions home loan for cibil score ka hai
Loan Overdue ka Solution – Home Loan for Low CIBIL Score
Agar past me aapki EMI overdue hui hai to aapko valid aur document-supported reason dena hoga. Bank ya NBFC aapki situation ko tabhi samjhenge jab aap transparency dikhayenge
Salaried Ke Liye
Agar aapko us waqt salary nahi mili thi, ya salary late aayi thi, to aap Apna salary account ka bank statement Dikhayenge EMI date ke time aapke account me balance nahi tha kyunki salary late credit hui thi
Self-Employed/Business Ke Liye
Agar aap business me the aur us mahine business me loss hua ya income nahi aayi, to:Apne CA se certified GST return copy dikhayein Usme clearly mention ho ki us particular month me aapka turnover low ya zero tha Aapke bank account statement me bhi income ka gap dikhai de
Is tarah aap Bank/NBFC ko samjha sakte hain ki EMI bounce hone ka reason genuine tha, aur aap responsible borrower hain.Jab aap solid documents ke saath apni baat rakhte ho, to bank aapka case seriously leta hai aur loan processing me flexibility dikhata hai.
Low CIBIL score hone par bhi home loan mil sakta hai. Lekin aapko sahi documents aur genuine reason ke saath home loan for low CIBIL score apply karna hoga.
Loan Overdue ya Settlement Hai Genuine Reason Batayein
Agar aapka loan amount overdue ho gaya hai ya aapne kisi loan ko settle kiya hai, to iska asar seedha aapke CIBIL score par padta hai. Bank aur NBFC isse risk maante hain. Lekin agar aapke paas iske genuine reason hai, to aap unhe explain kar sakte hain home loan approval low CIBIL jisse loan approval ke chances badh sakte hain
Example
Agar aapke pariwar ka mukhya (jo income source tha) accident ka shikar ho gaya tha, aur us waqt koi aur kamane wala nahi tha, to naturally loan repayment ruk gaya hoga ya settlement karna pada hoga.Is Case Me Aap Ye Proof Denge
Medical Reports
Hospital Bills
Discharge Summary
Agar FIR lodge hui thi to uski copy bhi
In documents ko bank/NBFC ke sath share karke aap unhe samjha sakte hain ki aapka loan default se huwa na ki negligence se
Jab bank dekhte hain ki borrower genuine problem me tha aur ab financial condition stable ho gayi hai, to wo loan approval ke liye flexible ban jaate hain.
Bonus Tip
Aap loan ke liye apply karne se pehle apne saare documents ready rakhein, taki jab bank aapse poochhe, to aapke paas har sawal ka jawab ho.
Low CIBIL Score par Home Loan Pane Ke Solution
Ab hum solutions samjhenge ki low CIBIL score hone ke bawajood bhi home loan kaise mil sakta hai. Niche diye gaye points ke madhyam se hum is process ko simple language me samjhenge jise hume home loan for low cibil score par mil jayega
Guarantor Add Karke Home Loan Lena
Agar aapka CIBIL score low hai, to aapke liye guarantor add karna ek strong option ho sakta hai. Jab aap kisi trusted person ko guarantor banate ho jiska CIBIL score accha hai, to bank ya NBFC aapka loan uske creditworthiness ke base par approve kar sakte hain
Guarantor Kyu Important Hai?
Bank ya NBFC guarantor ki profile check karte hain
Agar guarantor ka CIBIL score strong hota hai (750+), to wo eligible hota hai
Bank ko lagta hai ki agar borrower default kare, to guarantor us amount ko repay karega
Isliye aapka score low hone ke bawajood bhi loan milne ke chances badh jaate hain
Important Point
Agar guarantor ka bhi CIBIL score low hoga, to bank usse guarantor accept nahi karega. Isliye guarantor choose karte waqt dhyan rakhein ki unka score strong ho.
Gold Loan Lekar CIBIL Score Sudharo
Agar aapka ow hai aur aapko future me home loan lena hai, to uski tyari abhi se start karo. Iske liye aap ek chhota gold loan le sakte ho, kyunki ye secured loan hota hai, jisme bank ke paas aapka gold as collateral hota hai.
Gold Loan Se Kaise Score Sudharta Hai?
Gold loan lene ke baad agar aap EMIs time par bharte ho, to aapki repayment history strong banti Hai
Bank aur NBFC jab aapka profile dekhenge, to unhe lagega ki aap responsible borrower ho
Iska positive impact CIBIL report par padta hai, jisse aapko home loan lene me aasani hoti hai
Dhyan Rahe
Gold loan ki EMI kabhi bhi miss ya bounce na ho
Overdue hone se CIBIL aur kharab ho sakta hai
Gold loan short-term aur easy to manage hota hai, isliye isse responsibly repay karo
Ye ek smart strategy hai jise use karke aap apna credit score improve karke home loan ke liye qualify kar sakte ho—even with a previously low score.
Co-Applicant Add Karke Home Loan Apply Karo
Agar aapka bed cibil score hai, to aap kisi trusted family member ko co-applicant bana ke home loan apply kar sakte ho.Agar co-applicant ka income stable hai aur uska CIBIL score accha hai (750+), to bank aapke loan application ko joint profile ke basis par process karta hai.
Kaun Ban Sakta Hai Co-Applicant?
Ghar ke member jaise spouse, parents, brother/sister
Agar government salaried person hai to aur bhi strong case ban jata hai
Agar businessman hai aur income strong hai, to bhi approval easy ho jata hai
Iska Fayda Kya Hai?
Bank dono applicants ka combined income aur CIBIL dekhta hai
Low CIBIL hone ke bawajood loan approval mil sakta Hai
interest rate bhi thoda better mil sakta hai, agar co-applicant ka profile strong ho
Ye strategy un logon ke liye perfect hai jinke ghar me koi financially stable member hai. Agar co-applicant strong ho, to bank ka risk kam hota hai aur loan approval ke chances kaafi badh jaate hain.
Conclusion
ab aapne step-by-step samajh liya ki home loan for low CIBIL score hone ke bawajood bhi home loan kaise mil sakta hai. Ye article practical solutions par based hai jo real life me kaam karte hain.
Agar aapne in points ko seriously follow kiya, to aap bhi apne liye home loan secure kar sakte ho, chahe abhi score low hi kyu na ho.
Agar article pasand aaya ho to apne doston ke saath share karein jinka score low hai, aur jo home loan lena chahte hain.
Agar aap home loan for low cibil score ke liye apply karne ka soch rahe hain, to upar diye gaye points follow karke aapko approval milne ke chances badh sakte hain.”