- March 6, 2021
- News
Unexpected Reasons for Home Loan Application Rejection
Real estate is likely to be the most profitable property you could ever make. Home Loan Application Rejection, However, the majority of us are unable to make the full house payment at once. Applying for a home loan is a safe idea in this case. While the requirements for obtaining a home loan have become more relaxed in recent years, don’t expect it to be easy. Your home loan application could be rejected due to a minor blunder.
To help you relax, we’ve compiled a list of key points to remember in order to avoid having your home loan application rejected:
Credit Scores Are Bad Or Low
A person’s credit score indicates their mindset toward financial transactions. As a result, if a lender defaults or defers interest for this kind of debt, it would have a negative impact on the credit score. Furthermore, acting as a guarantor for a defaulter may result in rejection.
Individuals are assigned credit ratings by credit rating agencies such as Credit Information Bureau (India) Limited (CIBIL). Banks visit these companies to get a copy of your credit report in order to verify your credit history and financial activities. They even look at any outstanding debt you have and their payment patterns. You should pay all of your bills on time and keep a good credit score.
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Mention the correct personal information.
Before submitting your home loan application, double-check that the personal information on your credit report and the information on your application form are correct. Your home loan application will be rejected as a result of this. You must notify your lender if any of your personal information changes. You should review your own credit score from the companies for a small fee.
Important paperwork to bring with you when applying for a home loan –
– Past 3 months salary slip
– Bask account statement for the past six months
– Residence Proof
– Identity Proof
– Investment Proof
– Processing fee cheque in favor of the bank
Job Changes or Uncertainty
If you are a salaried worker, the stability of your career determines your monthly income flow. In this situation, constantly changing jobs has a negative effect on your work experience. So, if you want to buy a house in the next few years, don’t change jobs. In reality, your employer’s financial record is also used to assess your financial stability.
The Age Factor
The lender’s most critical consideration when disbursing a loan is the borrower’s age. The age range for filing for a home loan is 21 to 65. So, before you apply for a home loan, make sure you’re in this age group. Being thoughtful will help you from being turned down for a home loan.
Title & Property Value
After taking into account other considerations, banks appraise the property and offer a loan of up to 80% of the property’s value. So, before you sign any land contract, make sure the property you’re buying is reasonably priced and not overpriced. In addition, if your property does not have a valid title, or if there are any problems with government approvals, the bank can refuse your home loan application.
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Rejection by other banks
Some people apply to various banks out of excitement and haste. However, keep in mind that if another bank rejects your loan, it will have a negative effect on your credit score. It is preferable to wait for the bank’s response and learn the reason for the loan’s rejection and what you can do to remedy the situation. You should examine your credit score and learn more about your choices, which can assist you in making the best decision.
The property’s location
In the current situation, banks often decide whether or not to disburse loans based on the property’s position. Consider the situation of Noida Extension properties, where several schemes were delayed in 2011 due to a lack of clearance and acquisition disputes. As a result, banks became hesitant to lend money to people buying homes in these regions.
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