Know where you stand before you apply. Our credit experts check your score and tell you exactly which home loan and loan against property offers you qualify for.
750 – 900
Excellent
Best chance of approval and the lowest home loan rates.
700 – 749
Good
Loan approval is likely; rates may be slightly higher.
650 – 699
Fair
Limited options — some lenders may approve with conditions.
300 – 649
Needs work
Approval is difficult. Improve your score before applying.
Your credit score decides whether your home loan or LAP is approved and at what interest rate. Even a small difference in rate saves lakhs over a long tenure.
| CIBIL Score | Home Loan / LAP approval | Interest rate |
|---|---|---|
| 750 and above | Very high | Lowest rates offered by lenders |
| 700 – 749 | High | Slightly higher than the lowest rates |
| 650 – 699 | Moderate — select lenders | Higher rates, may need a co-applicant |
| Below 650 | Low | Improve score first, or apply with a co-applicant |
Paying every EMI and credit card bill on time has the biggest impact on your score.
Using less than 30% of your credit card limit keeps your score healthy.
A healthy mix of secured and unsecured loans and a long credit history help.
Applying with many lenders in a short time can pull your score down.
Read: How to improve your CIBIL score fast — 10 proven tips →
No. Checking your own score is a 'soft enquiry' and has no impact on your credit score.
Most banks prefer 750 or above for the best home loan rates. Some lenders approve home loans and loans against property for scores between 650 and 750, usually at a slightly higher rate.
Yes. Best Home Loan does not charge anything. You are also entitled to one free full credit report every year from each credit bureau, as per RBI rules.
Pay all dues on time, keep credit card usage below 30%, avoid multiple loan applications and check your report for errors. Most people see improvement within 3–6 months.
Your details are shared only with your consent and used only to help you with loans.
