Achha CIBIL Score Rakhein (750+ Hona Chahiye)
Aapka credit score 750 ya usse zyada hona chahiye. Poor credit history ya purane loan ke default hone par loan reject ho sakta hai.
Aapki income stable honi chahiye, taki bank ko bharosa ho ki aap EMI bhar sakenge.
Salary slips, ITR, bank statements jaise documents tayar rakhein. Property Ke Legal Documents Clear Ho
Title deed, encumbrance certificate, land use certificate jaise papers sahi hone chahiye.
Zyada Financial Burden Na Ho (Low Debt-to-Income Ratio)
Total EMI income ka 40-50% se zyada nahi honi chahiye.
Sahi Loan Amount Aur Tenure Choose Karein
Zyada loan amount lene se rejection ho sakta hai, isliye apni repayment capacity ke anusar loan apply karein.
Achha tenure select karein taki EMI affordable rahe.
In points ka dhyan rakhein, aur agar zaroori ho to ek financial advisor ya loan expert se salaah lein taki aapka loan easily approve ho sake.