What is a Good CIBIL Score for a Home Loan in India?

Purchasing a house is a long-term aim of many people, and to take a home loan, they have to meet some eligibility requirements imposed by the lenders. Your CIBIL score for a home loan is considered to be one of the most important requirements that determine whether you will get a loan or not. If you are looking for the best properties in Jaipur, Ajmer Road Properties offer excellent connectivity, modern infrastructure, and high investment potential in Jaipur.

Before proceeding with a home loan application, you must know that a greater CIBIL rating will give a better likelihood of loan approval at good interest rates. Whereas a low rating can result in loan rejection, or at a high interest rate.

What is the Minimum CIBIL Score to get a home loan?

To decide to give a home loan, lenders look at the CIBIL score to calculate the capability of entity to pay. A trusted Property dealer, Ajmer Road Properties, Jaipur, helps buyers find the best residential and commercial options easily. The approximate CIBIL score requirements for home loans from Jan 2026 are as follows:

• 750 and above - This is viewed as the best CIBIL score for a home loan, where there are easy approvals and the lowest interest rates.

• 700 to 749 -A good score that is highly approved, with potential interest rates that are somewhat higher.

• 650 to 699-Lenders may grant the loan on more stringent terms.

• 600 to 649- The approval will be low. The lender might insist on collateral or increase the down payment.

• A score below 600- Very low preferences for passing. You have to work on your score before the application.

Although a minimum CIBIL score of 650 is considered the eligibility for home loan approval, there are also lenders that could accept the applicant to have a low score. Bankers these days are evolving and neutralizing the repayment risk by offering loans only to profiles who score above average CIBIL scores. The applicant must have a good financial background, grosses a lot of money, or has other security. Investing in property in Ajmer Road, Jaipur, is ideal for those looking for future growth and premium living.

How to raise your CIBIL score to secure a home loan

In case you have a lower score than the ideal level, then the following steps can be used to improve your CIBIL score for getting a home loan:

Avoid Cash Payments and Pay Your EMIs and Credit Card Bills

The history of repayment is an important factor in a credit score. Avoid cash payments, as they don't build your transaction history. Pay your EMIs, credit card bills, among others, well on time to ensure that you have a healthy score.

Do not make Multiple Loan Applications

It can cause your score to be lowered by getting several loans within a short time. In case of rejection, take a couple of months before you reapply for the same to avoid adverse effects.

Maintain Old Credit Accounts

The longer the credit history, the better the credit score will be. Though you may not use one of the credit cards, having a low balance on an open credit card keeps your credit age.

Avoid Defaulting on Loans

Any default on any loan goes a long way to hurt your credit score and lessen your opportunities of getting a home. Manage your finances at all times in order to make timely payments.

Conclusion

Home loans with the best CIBIL score (750 or more) can attract better interest and loan amounts. To increase your CIBIL score to apply successfully for take take-home loan, follow healthy credit practices like paying on time, minimizing use of credit, and having a balanced credit mix.