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Everyone nurtures the dream of owning a house as it gives you and your family a sense of stability and security. But, with ever-rising property prices, funding the purchase entirely on savings is extremely challenging. Therefore, taking a home loan can help you to become a proud homeowner early and that too, without much difficulty.
However, as easy it may sound, getting a home loan entirely depends on your credit score, which needs to be above 700. As the repayment tenure of a home loan is usually up to 20 years, lenders ensure borrowers pose a very little credit risk by only approving home loans to people with a good credit score.
But, if you have a low CIBIL score for a home loan, you can consider the following steps before applying for a home loan.
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In 2015, the government of India launched the Pradhan Mantri Awas Yojna (PMAY). The goal of this scheme is to make housing affordable...
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Equated Monthly Installment (EMI) is the amount payable every month to the financial institution until the loan amount is fully paid off...