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Evaluate your home loan readiness across payment history, credit utilization, debt burden, credit mix, and employment stability. Free self-assessment — not an official CIBIL score.
Check your home loan readiness profile — this is NOT an official CIBIL score
Disclaimer: This tool provides an indicative readiness score based on self-reported data. It is NOT an official CIBIL score, credit report, or credit assessment. Results are for educational purposes only and do not constitute financial advice. Check your actual score at cibil.com for an official report.
Most Indian banks and housing finance companies require a minimum CIBIL score of 650 to 700 for home loan approval. A score of 750 or above puts you in the best bracket and typically qualifies you for the lowest interest rates and faster processing. Scores below 650 may lead to rejection or require a co-applicant with a stronger profile.
No, this tool is a self-assessment readiness check, not an official CIBIL score inquiry. It does not pull any data from credit bureaus and does not affect your actual credit score. For your official TransUnion CIBIL score, visit cibil.com. One free report is available per year, and paid reports can be accessed anytime.
The most impactful steps are: pay all EMIs and credit card bills on or before the due date, keep your credit card utilization below 30% of the total limit, avoid applying for multiple loans in a short period, maintain a healthy mix of secured and unsecured credit, and regularly check your credit report for errors and dispute any inaccuracies with the bureau.