You cannot easily get a home loan if your CIBIL score is below 650. Banks usually do not approve such applications. A low CIBIL score shows missed payments, high credit usage, or past loan problems. Because of this, lenders see you as a high-risk borrower. To improve your chances of approval for home loan with low CIBIL score, try to increase your score to at least 650.
Is a Low CIBIL Home Loan Possible in India?
Some banks and housing finance companies still offer home loans to people with low CIBIL scores. However, they usually set strict conditions. They may charge a higher interest rate, approve a lower loan amount, or ask for a bigger down payment.
In some cases, they may also ask for a co-applicant with a good credit score, such as a spouse or close family member.
Your income stability plays a very important role here.
If you have a steady job, a high monthly income, and a low debt burden, lenders may still consider your application.
Having savings, fixed deposits, or other assets can also support your case.
Some lenders approve loans if you explain the reason for your low score, such as a past medical emergency or temporary job loss.
You should also avoid applying to many banks at the same time.
Multiple loan applications create hard inquiries and further reduce your CIBIL score.
You should research lenders who accept low-score applications and apply carefully.
So, getting a home loan with a CIBIL score below 650 is difficult and costly. Hope you get an idea.
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Can I Get a Home Loan with Low CIBIL Score Below 650?
Mathan33
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21 days
2026-02-05T18:35:29+00:00 2026-02-12T15:59:24+00:00Comment
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