CIBIL Score Kya Hota Hai Aur Loan Approval Mein Kyun Important Hai? | Loansathi.in
CIBIL Score Kya Hota Hai Aur Loan Approval Mein Kyun Important Hai? | Loansathi.in
CIBIL score aapki credit history ka ek sanketik number hai jo lenders ko batata hai ki aap kitne responsible borrower hain. Is article mein hum seedhe, saral aur practical steps denge taaki aap samajh sakein ki CIBIL score kya hota hai aur loan approval par iska kya asar padta hai.
CIBIL Score ā Seedha Sa Arth
ā¢ CIBIL score 300 se 900 ke beech hota hai.
ā¢ Jitna zyada score, utna hi achha repayment history maana jata hai.
ā¢ 750+ ko best, 650-749 ko fair, aur 600 se neeche ko low mana jata hai.
CIBIL Score Loan Approval Mein Kaise Kaam Karta Hai?
- ā¢ Lenders sabse pehle aapka CIBIL score dekhte hain ā ye unke liye quick risk indicator hota hai.
- ā¢ High score wale applicants ko low interest aur better terms mil sakte hain.
- ā¢ Low score par banks additional documents, guarantor, ya higher interest demand kar sakte hain.
Kaunse Factors CIBIL Score Ko Prabhavit Karte Hain?
- ā¢ Repayment history: EMI late hone ya default se score girta hai.
- ā¢ Credit utilisation: Credit card limit ka zyada use karna score kam karta hai.
- ā¢ Credit mix: Alag-alag loan types ka sahi mix acha hota hai.
- ā¢ New enquiries: Bahut saare loan/credit enquiries short time mein negative signal dete hain.
CIBIL Score Improve Karne Ke Practical Tarike
- ā¢ Regularly EMI aur credit card bills time par bharein.
- ā¢ Credit utilisation 30% ke andar rakhein.
- ā¢ Purane loans aur credit card ko agar unnecessary hai to close kar dein (sahi planning ke baad).
- ā¢ Galat entry milne par CIBIL report ko dispute karein aur rectify karwayein.
- ā¢ Agar score low hai to chhote secured loans ya EMIs time se lekar positive history banayein.
Low CIBIL Hone Par Loan Approval Ke Liye Kya Karein?
- ā¢ Co-applicant/Guarantor: High CIBIL wale co-applicant se approval chances badhte hain.
- ā¢ Secured loan: Gold loan, home loan ya vehicle loan zyada acceptable hote hain.
- ā¢ Lender selection: Kuch NBFCs aur fintech platforms flexible policies rakhte hain.
- ā¢ Strong documents: Stable income proof aur bank statements dikhayein.
Har applicant unique hota hai. Agar aapka CIBIL low hai to pehle apni credit report check karein, errors dispute karein aur phir Loansathi par apply karein ā ham aapke profile ke hisab se best lender match karenge.
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Quick Comparison ā CIBIL Score ke hisab se expectations
| Score Range | Approval Chances | Typical Terms |
|---|---|---|
| 750 - 900 | High | Low interest, high loan amount |
| 650 - 749 | Moderate | Standard interest, possible conditions |
| < 650 | Low | Higher interest, guarantor/secured loan advised |
Loansathi ā Thoda Aur Detail
ā¢ Kaun hum hain: Loansathi.in ek online loan aggregator hai jo multiple banks aur NBFCs ke offers compare karta hai.
ā¢ Kya karte hain: Ham aapke profile ke hisab se best lenders suggest karte hain, documents ko verify karwate hain aur fast disbursal mein madad karte hain.
ā¢ Documents jo aapko ready rakhne chahiye: Aadhar, PAN, salary slip (agar salaried), 3 months bank statement, and latest ID proof.
Final Advice / Summary
Loansathi.in ā Aapka vishwas, hamari zimmedari. CIBIL score important hai lekin sahi guide aur documents se aap approval chances ko behtar bana sakte hain. Apply karne se pehle apni report check karein aur hamari team se consult karein.
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