Home Loan Lene Se Pehle Ye 5 Galtiyan Mat Karna

Ghar kharidna har Indian ka sapna hota hai, lekin Home Loan lene ke process mein galtiyan karne se yeh sapna toot sakta hai. India mein banks aur NBFCs strict criteria follow karte hain, jo RBI ke guidelines pe based hote hain, jismein borrower ki financial stability, creditworthiness aur property legality check ki jaati hai. Ek chhoti si galti se aapka application reject ho sakta hai, jisse credit score girta hai aur future loans mushkil ho jaate hain. Is detailed guide mein hum 5 common galtiyan discuss karenge jo Home Loan apply karne se pehle avoid karni chahiye. LoanSathi, Jaipur ka trusted financial consultant, aapko in galtiyon se bachne mein help karta hai with expert advice aur quick approval process. LoanSathi.in pe aap Personal Loan, Business Loan ke saath-saath Home Loan ke liye bhi apply kar sakte ho. Yeh galtiyan real data pe based hain jo banks reject karte hain, jaise low credit score ya incomplete docs. Chaliye detail mein jaante hain!

RBI ke according, Home Loan rejections ka major reason borrower ki taraf se galtiyan hoti hain, jaise improper planning ya verification failures. Yahan 5 top galtiyan hain jo banks ya government regulations ke hisaab se reject ka sabab banti hain. Har galti ko frame mein samjhaaya gaya hai with tips to avoid:

Galti 1: Low Credit Score Ko Ignore Karna

Credit score (CIBIL ya Equifax) Home Loan approval ka sabse bada factor hai. RBI mandates ki lenders credit score check karein, aur 750 se kam score pe rejection common hai kyunki yeh repayment risk dikhaata hai. Galti: Score check na karna ya poor score ke saath apply karna. Banks jaise HDFC ya SBI low score ko reject karte hain.

Impact: High interest rates ya outright rejection. 70% rejections iski wajah se hote hain.
Kaise Avoid Karein: Pehle free CIBIL report check karo. LoanSathi free credit analysis deta hai aur score improve ke tips jaise timely bill payments.

Galti 2: High Debt-to-Income Ratio

Agar aapki existing EMIs ya debts aapki income ka 50% se zyada hain, to banks reject kar dete hain kyunki RBI guidelines mein repayment capacity assess karni padti hai. Galti: Purane loans ko ignore karke naya Home Loan apply karna. Yeh financial instability dikhaata hai.

Impact: Banks jaise Bajaj Housing Finance high DTI pe reject karte hain, kyunki repayment default ka risk badhta hai.
Kaise Avoid Karein: Debt consolidate karo ya EMI kam karo. LoanSathi DTI calculator deta hai aur low-interest refinancing suggest karta hai.

Galti 3: Incomplete Ya Galat Documentation

Home Loan mein KYC, income proof (ITR, salary slips), property papers aur address proof mandatory hote hain. RBI ke under, incomplete docs pe process nahi aage badhta. Galti: Docs ready na rakhna ya mismatches jaise wrong PAN.

Impact: 60% rejections documentation errors se hote hain, jaise Axis Bank mein common.
Kaise Avoid Karein: Checklist banao. LoanSathi free doc verification aur upload support deta hai, ensuring no rejections.

Galti 4: Unstable Employment History

Frequent job changes ya self-employed hone pe banks hesitate karte hain kyunki income stability proof chahiye, jo RBI ke borrower assessment rules mein shamil hai. Galti: 2-3 saal se kam job tenure ke saath apply karna.

Impact: Rejection rate high hota hai, especially salaried applicants mein.
Kaise Avoid Karein: Kam se kam 2 years ka stable job rakho. LoanSathi self-employed ke liye special Business Loan options suggest karta hai as alternative.

Galti 5: Property Legal Issues Ko Ignore Karna

Property ka title clear na hona, legal disputes ya non-approved land pe Home Loan reject ho jaata hai kyunki banks property valuation aur legality check karte hain RBI norms ke under. Galti: Legal verification na karwana.

Impact: Banks jaise NoBroker cases mein reject karte hain agar title unclear ho.
Kaise Avoid Karein: Lawyer se title search karwao. LoanSathi property legal check service provide karta hai aur approved properties suggest karta hai.

LoanSathi Ke Benefits: Safe Home Loan Journey

LoanSathi in galtiyon se bachne ka best partner hai. Unke services aapke Home Loan process ko smooth banate hain:

Free Credit Check: Score analysis aur improvement tips.
DTI aur EMI Calculator: Affordable loan amount suggest karna.
Document Support: Checklist aur verification help.
Employment Guidance: Stable profile banane ke tips.
Property Verification: Legal checks aur approved options.
Quick Approval: RBI-compliant partners se 48 hours mein disbursal.
Transparent Rates: No hidden fees, low interest.

Galti	LoanSathi Ka Solution
Low Credit Score	Free score boost counseling.
High DTI	Debt management plans.
Incomplete Docs	Full verification support.
Unstable Job	Custom Home Loan options.
Property Issues	Legal audit service.

Pro Tip: Home Loan se pehle LoanSathi se pre-approval lo. Yeh galtiyon ko pehle hi catch karta hai aur rejection avoid karta hai!

Conclusion

In 5 galtiyon ko avoid karke aap apna Home Loan approval sure kar sakte ho. RBI ke strict rules ke under, banks rejections ko seriously lete hain, lekin LoanSathi ke saath aap safe side pe rehte ho. Unke benefits jaise free tools, expert support aur transparent process aapke ghar ke sapne ko haqiqat banate hain. Abhi LoanSathi.in visit karo ya WhatsApp pe contact karo (+91-9403893123) aur galti-free Home Loan journey shuru karo. Aapki koi galti story? Comment mein share karo!