Home Loan Rejection: Sabse Common Galtiyan Jo Aapko Bachni Chahiye | Loansathi.in

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Introduction

Ghar kharidna har kisi ka sapna hota hai aur us sapne ko poora karne ke liye sabse bada support hota hai Home Loan. Lekin bahut se applicants ko rejection face karna padta hai. Aksar yeh rejection aapke khud ke galtiyon ki wajah se hota hai jo avoid kiya ja sakta hai.

Sabse Common Galtiyan Jo Home Loan Reject Karwati Hain

1. Low Credit Score

Agar aapka CIBIL score 650 se kam hai, toh bank aapko risky borrower maanta hai. Home loan ke liye minimum 700+ score hona chahiye.

Solution: Apna credit history improve karo, dues clear karo aur EMI timely bharo before applying.

2. Incomplete Ya Galat Documents

Property papers ya personal KYC agar galat ya incomplete hain, toh loan reject ho jata hai. Jaise PAN mismatch, Aadhaar outdated ya registry incomplete.

Solution: Documents ko verify karke submit karo. Loansathi.in ek proper checklist provide karta hai.

3. Income Proof Weak Hona

Bank ko proof chahiye ki aap EMI repay kar paoge. Agar aapki income kam hai ya regular nahi hai toh rejection ho sakta hai.

Solution: Salary slip, ITR aur bank statement updated rakho. NBFCs aur private lenders ke option bhi explore karo.

4. Property Title Issues

Property ke papers clear na hone par bank loan approve nahi karta. Dispute, illegal construction ya registry incomplete hone par file reject ho jati hai.

Solution: Loan apply karne se pehle property papers verify kara lo.

5. Multiple Active Loans

Agar applicant ke upar already multiple loans chal rahe hain aur EMI-to-income ratio 40% se zyada hai, toh naya loan reject ho jata hai.

Solution: Pehle existing loans consolidate karo aur apni EMI burden kam karo.

Loansathi.in Ka Role

Loansathi.in ek loan marketplace hai jo 150+ Banks, NBFCs aur private lenders ke sath connected hai. Yahan aapko ek application ke sath multiple home loan offers milte hain.

• ✔ Document checklist & verification
• ✔ Alternative lenders for low income / low CIBIL profiles
• ✔ Private funding options for rejected cases
• ✔ End-to-end assistance till disbursement

FAQs on Home Loan Rejection

1. Home loan reject hone ke baad kab re-apply karna chahiye?

3–6 months baad, jab aap apna CIBIL improve aur documents complete kar lo.

2. Kya low salary par home loan mil sakta hai?

Haan, NBFCs aur private lenders ke through possible hai via Loansathi.in.

3. Property dispute hone par kya loan milta hai?

Nahi, banks disputed property par loan approve nahi karte. Clear title hona zaruri hai.

Conclusion

Home loan reject hone ki sabse badi wajah hoti hai common mistakes – jaise low CIBIL, weak documents, income proof aur property issues. In galtiyon se bacho aur Loansathi.in ke sath apne approval chances double karo.

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